Maximize Your Money: Simple Calculators, Big Insights

Looking to make the most of your money? Our calculators are designed to guide you through every financial decision. Compare rates, calculate payments, and uncover savings opportunities tailored to you. Start crunching the numbers today and see the difference it can make!

Credit Card Payoff Calculator

Manage Your Credit Card Debt

Learn how to manage your credit card payments and develop a plan to become debt-free sooner. 

Credit Card or Loan Information

Current credit card balance ($)

Proposed additional monthly payment ($)

Annual percentage rate (0% to 40%)

Assumptions

Minimum payment percentage (0% to 10%)

Minimum payment amount ($)

Desired table display MonthlyYearly

Reset

Retirement Savings Calculator

Are You On Track for Retirement?

Understand how your savings will grow over time and adjust your plan to achieve your retirement dreams. 

Income/Savings

Your current age (1 to 120)

Current annual income ($)

Spouse's annual income (if applicable) ($)

Current retirement savings ($)

Desired retirement age (1 to 120)

Number of years of retirement income (1 to 40)

Assumptions

Expected inflation (0% to 10%) ?

Income replacement at retirement (0% to 300%)

Pre-retirement investment return (-12% to 12%) ?

Post-retirement investment return (-12% to 12%) ?

Social Security

Include Social Security (SS) benefits? No Yes

Marital status (For SS purposes only) Married Single

Social Security override amount
(monthly amount in today's dollars) ($) ?

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Certificate Value Calculator

How Much Will Your Certificate Earn?

Learn how a certificate can grow your savings risk-free! See your potential returns and choose the right certificate with confidence.

CD Information

Deposit amount ($)

Length of CD (months) (1 to 120)

Assumptions

Annual interest rate (0% to 12%)

Interest compounding frequency Daily Monthly Quarterly Semi-Annually Annually

Marginal tax bracket (0% to 75%) ?

Reset

Auto Loan Calculator

Wondering What Your Auto Loan Payments Could Be?

Use our Auto Loan Calculator to quickly estimate your monthly payments, plan your budget, and hit the road with the right loan!

Loan Amount

Purchase price ($)

Value of your trade-in ($)

Down payment ($)

Cash rebate ($)

Amount owed on your trade-in ($)

Assumptions

Annual interest rate (0% to 40%)

Desired table display Monthly Yearly

Term of loan (months) (1 to 360)

Reset

Auto Refinance Calculator

See How Much You Can Save On Your Auto Loan!

Discover how refinancing your car loan with Sandia Area can free up cash for your next adventure.

Current Loan

Current loan balance ($)

Current interest rate (0% to 40%)

Current monthly payment ($)

Proposed Loan

Proposed interest rate (0% to 40%)

Proposed term of new loan (months) (1 to 120)

Reset

HELOC Calculator

Understand Your HELOC Options

Calculate your available equity and see how a Home Equity Line of Credit (HELOC) can turn your home's value into cash for home projects, experiences, or expenses. 

Your Mortgage

Current market value of your home ($)

Outstanding mortgage balance ($)

Loan-To-Value (LTV) (0% to 90%)

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Home Affordability Calculator

Explore your Homebuying Power

Understand your budget and explore options to make your next home purchase a reality.

Income and Debt Obligations

Current combined annual income ($)

Monthly child support payments ($)

Monthly auto payments ($)

Monthly credit card payments ($)

Monthly association fees ($)

Other monthly obligations (not including current mortgage payment) ($)

New Loan Assumptions

Annual interest rate on new mortgage (0% to 40%)

Term of new mortgage (years) 15 20 30 40

Funds available for a down payment ($)

Estimated annual property taxes ($)

Estimated annual homeowner"s insurance ($)

Front-end ratio ? 28% 33% 36%

Back-end ratio ? 36% 40% 45%

Reset

Home Budget Analyzer

Ready to Master Your Home Budget?

Build a budget that fits your lifestyle with our home budget calculator. Discover additional products with Sandia Area that support your goals.

Assumptions

Monthly or annual figures? Monthly Annual

Home

Mortgage payment or rent ($)

Household repairs and maintenance ($)

Utilities ($)

Major home improvements and furnishings ($)

Homeowners (renters) insurance ($)

Transportation

Automobile loan(s) ($)

Automobile expenses (gas, repairs, etc.) ($)

Automobile insurance ($)

Other transportation expenses ($)

Taxes

Federal income taxes ($)

State income taxes ($)

FICA (social security taxes) ($)

Real estate taxes ($)

Other taxes ($)

Debts

Personal loan(s) ($)

Charge accounts ($)

Necessities

Food ($)

Clothing and laundry ($)

Educational expenses ($)

Child care ($)

Life insurance premiums ($)

Medical, dental and disability insurance ($)

Leisure

Vacation home (mortgage) ($)

Entertainment and dining ($)

Recreation and travel ($)

Club dues ($)

Hobbies ($)

Misc

Gifts ($)

Professional services ($)

Charitable contributions ($)

Other and miscellaneous expenses ($)

Reset

Savings Growth Calculator

Track Your Savings Goals

See how quickly your savings can grow and keep your financial goals within reach.

Savings

Initial balance or deposit ($)

Recurring deposit amount ($)

Deposit frequency Monthly Quarterly Bi-Annual Annual

Number of months to project (i.e. 10 years = 120 months) (1 to 360)

Assumptions

Annual interest rate on savings (-12% to 12%)

Compounding frequency Monthly Quarterly Bi-Annual Annual

Reset

Any calculator results are estimations only and in no way constitute an offer of credit. Membership eligibility and application is required. Subject to credit approval. See a representative for full details.