financial calculators:

where the numbers make cents

LocationsClosures

let’s run some
numbers

Creating a life of financial freedom takes a lot of planning
and a lot of math. You don’t have to go back to calculus.
We’ve created the formulas. All you have to do is add in the
numbers and start knocking out your goals.

Setting up a clear budget is a great starting point on any financial journey.

How Much Am I Spending?

Track your spending to see where you can make adjustments and save money or pay down debts.

Household Cash Flow Tracker

Determine your cash flow by adding up all income and comparing against your total expenses.

Calculate Your Net Worth

Your self-worth can only be calculated by looking within yourself, but we can help you with figuring out your net worth.

Keep Working or Stay at Home

Compare the costs of being a stay-at-home parent to being a working parent. Will you make enough income to offset the costs?

Balance Your Checking Account

Figure out what your real balance is once all those expected bills and deposits come through.

Spare Change

Time to empty out those piggy banks and count up those coins.

Save or Pay Off Debt?

See how much more you could actually be saving by paying down debt versus keeping extra cash in a savings account.
Set your savings goals and we can help you figure out how to get there.

The Impact of Saving More

Let’s make it easier to visualize the big impact you can make by saving a little more.

Save for College

Plan in advance for a college education and see just how much you should be saving.

What Will My Savings Be Worth?

Your self-worth can only be calculated by looking within yourself, but we can help you with figuring out your net worth.

Save for a Rainy Day

Determine just how much you need to save to keep your rainy day savings on track.

Calculate Your Savings at Maturity

Easily figure out how much you’ll earn on your Certificate of Deposit.

The Benefits of Compounding

See the rate at which different compounding terms can grow your savings

Save to be a Millionaire

I believe it was the philosopher Travie McCoy that once said, “I want to be a millionaire, so freaking bad.” See how long it’ll take.

Save Towards a Goal

You’ve taken the first step and set your savings goal. Now see how you can achieve it.

Compare Two CDs

Compare the results of different Certificates of Deposit to make the right choice for you.
There are few things better than being debt-free. Maybe pizza, but it’s a close call.

Debt Consolidation

See how much you could save on interest by consolidating debt.

Meet a Debt Payoff Goal

Paying off your debts early could mean major savings. Find out how to adjust your payment to reach your goal.

Use a Lump Sum to Pay Down Debt

See how much you could save in interest by applying a large amount to your loan balance.

Increase Your Monthly Payment

See how increasing your monthly payment can pay your debt down and save you money on interest.

Calculate a Loan Payment

Get an idea of what your monthly payment will be before you apply for that loan.

Make Bi-Weekly Payments

Bi-weekly payments can accelerate your loan payoff as you actually make 2 more per year than if you make a monthly payment. See the effect of this change

How Long Will It Take to Pay Off a Credit Card

Credit card payments can drag out, costing you a lot more than you originally thought. Learn how adjusting your monthly payment could help you save

Are Credit Card Balance Transfers Worth It?

This balance transfer calculator lets you see if you’ll be saving money after the fees and intro offers are taken into account.
Vroom vroom! Step behind the wheel + drive off loaded with knowledge.

Calculate a Vehicle Payment

Try this auto loan calculator out to see just how much that new car might cost yo

Compare Monthly Payment by Term

Longer terms mean lower payments but higher interest. Compare auto loan terms to find the loan that best matches your goals.

Compare Two Vehicle Loans

Compare loan terms side-by-side to determine which monthly payment is best for your auto loan budget.

Purchase or Lease a Vehicle

Not sure if leasing or purchasing outright is the right path for you? Crunch the number

Low Rate or Cash Back?

Balance the benefits of taking a low interest rate versus a large cash rebate to see which one gives you the best deal on vehicle purchases.

Vehicle Affordability by Loan Term

Use this vehicle affordability calculator to determine the max purchase price you should consider based on your monthly budget.

Gas Mileage Savings with a Fuel Efficient Vehicle

It’s not so easy being green, but you can take steps to reduce your carbon footprint with a fuel efficient vehicle + get rewarded in savings in the process!
Measure how you can put the value of your home to good use.

The Equity in Your Home

Find out how much equity you have available in your home + tackle those projects you’ve been putting off.

Calculate a Home Equity Line of Credit Payment

Don’t bite off more equity that you can chew. Our HELOC payment calculator will help you budget it all out.

Home Equity Loan or Line of Credit?

Get help deciding between a closed-end equity loan or a revolving credit line.

Consolidating Debt with Home Equity

See how much you could save when you consolidate debt using your home equity.

Calculate a Home Equity Loan Payment

Use this home equity loan calculator to see how much you can expect to pay monthly on your closed-end equity loan.

Using Home Equity for a Major Purchase

Should I finance through the store or with a home equity loan? Great question! Let’s answer it together.
Calculators for all things mortgage-related.

SunWest Credit Union does not currently offer home buying services (stay tuned), but as financial advocates to our members, we still want you to have all the access you need in order to make the most informed home loan decision. 
We currently offer First Mortgage Refinances, Second Mortgage Home Equity Loans, and Home Equity Line of Credits.

We currently offer First Mortgage Refinances, Second Mortgage Home Equity Loans, and Home Equity Line of Credits.

home affordability

Asking yourself “How much house can I afford?” Simply plug your info into the home affordability calculator and start shopping.

calculate a mortgage payment

Before you go looking for the perfect home, take a look at how much you can expect to pay.

rent or buy?

Compare costs of renting and buying over a period to determine which one will cost more in the long run.

proceeds from sale of a home

Gain insight into how much cash you’ll walk away with from the sale of your home.

compare two mortgage loans

See which mortgage loan fits you best by using this calculator to compare mortgages.

adjustable-rate mortgage analyzer

Our adjustable rate mortgage calculator shows what your monthly payment will be under different scenarios.

time to refinance?

Plug in the numbers to see if refinancing your mortgage is the smart move.

calculate home closing costs

Itemize all the costs of buying a home to see what you can expect to pay in closing costs.

compare a bi-weekly mortgage to a monthly mortgage

This bi-weekly mortgage payment calculator will show you how much sooner you could pay off your mortgage and the interest you’ll save.

debt-to-income calculator

See if your debt is considered manageable in relation to your income.

down payment calculator

If you’re on the fence about how  much of a down payment to make on your home purchase, use this calculator to compare the numbers.

loan amount calculator

See how much home you can afford based on the monthly amount you want to spend each month.
Ensure your retirement is spent living life on your terms by creating a retirment savings plan now.

How Long Will My Retirement Savings Last

See into the future and learn how far your retirement savings will take you.

401K Calculator

Use our 401K calculator to see how an employer-matched saving can increase your retirement account.

Traditional 401K or Roth 401K

Both Traditional and Roth IRAs have great benefits for retirement savings, and this calculator will help you decide which one is best for you.

Retirement Income Estimator

See what your monthly income will look like based on the amount of savings you have at retirement.

Spend or Invest in an IRA?

Put into perspective how much that lump sum could contribute to your retirement savings versus spending it now.

Estimate Social Security Benefits

Get insight into how retiring early or later can affect your Social Security benefits

Save for Retirement

Play with the numbers to get a better idea of whether or not you’re on track for your retirement goals.

here for you

You're not alone! We want to make sure our members understand their financial situations and will always do our part to keep you on track to achieve your goals. Feel free to check out our MoneyEDU courses and our blog for more useful tips on maintaining financial health. As always, please call or visit with any questions.

602.866.1100branchesmoney edublog

promos, please!

Here at SunWest, we strive to offer our members the best offers and rates, no matter where they are in life's journey. Sometimes, we can even beat our own low rates and offer a special promotion! See if our current promotions are right for you.

promos

fresh from the blog

New Year, New Financial Goals: Easy Budgeting Tips to Help You Crush Your 2023 Goals

New Year, New Financial Goals: Easy Budgeting Tips to Help You Crush Your 2023 Goals

How to Successfully Build a CD Ladder for Your Benefit

How to Successfully Build a CD Ladder for Your Benefit

How to Build Generational Wealth for Your Child's Future Success

How to Build Generational Wealth for Your Child's Future Success

This is Cloud Covered Streets

This is Cloud Covered Streets