Financial Calculators

Whether you're saving up for retirement or just trying to spend a little less on lunch, these calculators can make short work of crunching the numbers.

Financial Calculators

Checking & Savings Calculators

  • Savings Calculator

    Use this tool to see how your interest rate pays off in the long term — and how smart, consistent investing can grow your bottom line.

  • Savings Goals Calculator

    Your forecast for whatever’s down the road. How far will you need to go until you reach your savings goal? Ask this financial calculator.

  • Net Worth Calculator

    Get the lowdown on your bottom line. Fast. This calculator will determine your net worth — now and for the ten years ahead.

  • Savings, Taxes & Inflation Calculator

    This small calculation could make a big difference in your financial planning for the years ahead.

  • Cool Million Calculator

    This calculator could surprise you in a good way, letting you know that your assets and earnings are on track to reach this goal.

  • Compound Interest Calculator

    This calculator will shows you how, and by how much, compounded interest adds to your savings.

  • Emergency Savings Calculator

    This calculator helps you to determine how much savings you will need to accumulate for security in the future.

  • Benefits of Spending Less Calculator

    Invest what you save well and the outlook is even better. This device lets you know how pinching those pennies is adding up.

  • Lunch Savings Calculator

    See the benefits of brownbagging once in a while. This calculator shows you how this one simple change can really add up. One bite at a time.

  • Home Budget Calculator

    Take a close look at your household budget, then see how best to tame it. You may need to put your home on an allowance. Just like your kids.

  • College Savings Calculator

    Get an intro to your financial prerequisites with this calculator. Even if your kid won’t be a freshmen year for a decade, the time to start saving is now.

  • Checkbook Balancer

    Let us help you balance your checkbook. First tell us the ending balance on your statement, then enter all of your outstanding checks and deposits.

Personal & Vehicle Loan Calculators

Mortgage & Home Loan Calculators

Credit Calculators

Tax Calculators

  • Marginal Tax

    Use this calculator to help predict and even offset your tax liability. With it you can measure your average tax rate and your tax bracket.

  • 1040 Tax Estimator

    This calculator crunches the numbers for your IRS 1040 form. Use it to estimate the total income tax you’ll owe for the year.

  • 1040EZ Tax Estimator

    This calculator from the Internal Revenue Service helps you to fill out the 1040EZ tax form.

Investment & Retirement Calculators

  • Investment Returns Calculator

    This calculator helps you sort through these factors and determine your bottom line. Click the "View Report" for a detailed look at the results.

  • Investment Loans Calculator

    This calculator helps illustrate the effect of using a loan to purchase an investment or appreciable asset.

  • Asset Allocator Calculator

    The calculated asset allocation is a great place to start your analysis in building a balanced portfolio.

  • Stock Options Calculator

    Use this calculator to determine the value of your stock options for the next one to twenty-five years.

  • Annual Stock Options Grant Calculator

    Use this calculator to project how much a series of annual stock option grants could be worth to you.

  • Traditional IRA Calculator

    Exactly how — and how much — will contributing to a regular IRA help you in retirement? Use this handy calculator to find out.

  • Roth IRA Calculator

    Compare the Roth IRA with an ordinary, taxable investment and see which one might be the best choice — for you and your future.

  • Roth IRA Conversion Calculator

    Should you convert to a Roth IRA? It can be a great way to create tax-free income from your retirement assets. This tool will help you decide.

  • Roth vs. Traditional IRA Calculator

    Which one is right for you? This calculator will help you to add and subtract them, then determine which plan would serve you best.

  • Retirement Planning Calculator

    How big will your nest egg be once you’re ready to stop working? Use this calculator to make sure that it’s growing big and healthy.

  • Retirement Income Calculator

    Now sure how much monthly income your retirement savings will provide you after you stop working? This calculator can help you find out.

  • Social Security Calculator

    How much will you receive when Social Security benefits kick in? When is it best to start receiving them? This calculator will help you sort out the options.

  • How Important is Social Security? Calculator

    Use this calculator to compare your retirement savings — with and without SS benefits.

  • 401k Savings Calculator

    Paying into a 401(k) can be a great way to save up for retirement. Use this calculator to see if this retirement savings plan is the right for you.

  • 403b Savings Calculator

    If you work for a non-profit, tax-exempt organization, you could profit from a 403(b), available to people working in that field.

  • 72T Calculator

    Let this calculator help you determine what your allowable 72T Distribution might be — and how it could even fund your early retirement.

  • Required Minimum Distributions Calculator

    Find out how much will be required to withdraw, at a minimum, from your IRA or retirement plan account when you reach the age of 70 1/2.

  • Beneficiary RMDs Calculator

    If you are the beneficiary of a retirement plan, IRS rules regulate the minimum withdrawals you have to take.

  • Retirement Shortfall Calculator

    This calculator can help you find any potholes on your road to your retirement, so that you can fill them, if necessary.

Business Calculators

  • Financial Ratios Calculator

    This calculator lets you zero in on areas of your business such as solvency, liquidity, operational efficiency and profitability that might need attention.

  • Inventory Analysis Calculator

    This calculator can give you an idea of what’s in store for what’s in your store, and help keep your inventory efficient.

  • Break Even Analysis Calculator

    Tapping on this calculator can help you measure the risks and rewards of your business.

  • Cash Flows Calculator

    Want to keep your business moving forward? This calculator will help you keep an eye on your cash flow. And PFCU can help you with the rest.

  • Working Capital Calculator

    Use this calculator to see where your working capital stands, and find out what you’ll need for the year ahead.

  • Business Valuation Calculator

    Want to know how much your business will be worth in the future? This calculator can determine the net present value (NPV) of your future cash flows.

Financial Calculators
National Association of Federal Credit Unions 
PFCU is a proud member of the National Association of Federal Credit Unions
National Credit Union Administration 
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
Equal Housing Lender 
We do Business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

We provide links to external websites for your convenience. Philadelphia Federal Credit Union does not endorse and is not responsible for their content, links, privacy or securities policies.

Please note that the amount of money contained in your investment accounts are considered non-deposit products and therefore, are not NCUA insured, not credit union guaranteed, may lose value, are not guaranteed by any government agency. Securities, Financial Planning and Insurance products are offered through LPL Financial, and its affiliates, Member FINRA, SIPC. LPL Financial and Philadelphia Federal Credit Union are independent entities.