Financial Calculators

Financial Calculators

Our financial calculators are a great starting point to plan and explore what’s possible. Use them to create a spending budget, set a savings or investing goal, compare financing options to fit your needs, plan for retirement and more.
Jump to a topic:

Loans

  • Consolidate

    Evaluate if debt consolidation suits you. Adjust terms, loan types, or rate to fit your budget.

  • Enhanced Loan Payments

    Explore different loans by adjusting payments, amount, interest rate, or term. View amortization.

  • Existing Loan Calculator

    Analyze your current loan's remaining balance. View a detailed payment schedule.

  • Payoff Credit Line

    See what it takes to pay off your credit line and adjust to meet repayment goals.




Mortgage

  • Mortgage Payoff

    Discover how much interest you can save by increasing mortgage payments. View full amortization.

  • Mortgage Qualifier

    Determine your home-buying budget by calculating mortgage qualification based on income or payment.

  • Adjustable Rate Mortgage Calculator

    Estimate your payments on an adjustable rate mortgage, where interest rates and payments can vary.

  • Mortgage APR

    Calculate the Annual Percentage Rate (APR) of your mortgage. View the full amortization schedule.

  • 15-Year vs 30-Year Mortgage Comparison

    Compare 15- and 30-year mortgages. Shorter terms save interest, but higher payments may be needed.

  • Mortgage Loan Monthly Statement

    Calculate monthly mortgage payments and see how prepayments affect interest and principal balances.

  • Mortgage Points

    Decide whether to buy points to lower your interest rate or increase your down payment.

  • Mortgage Refinance

    Determine if refinancing is wise by analyzing your current rate, new rate, closing costs, and break-even time.

  • Mortgage: Rent Vs Buy

    Decide whether to rent or buy by comparing fees, taxes, and payments. View detailed results.

  • Should I Refinance?

    Calculate potential interest savings and break-even time to decide if refinancing your mortgage is worth it.




Savings

  • Benefit of Spending Less

    See how much budget reductions can grow if invested, with and without taxes factored in.

  • College Savings Plan

    Develop or adjust a long-term plan for saving for your child's education. View detailed results.

  • Compound Savings

    Demonstrate how consistent investments over time can build wealth, even with small additions.

  • Savings

    Determine what it takes to reach your financial goal for a sabbatical, down payment, or other savings.

  • Health Savings Account (HSA) Contribution

    Calculate your allowed HSA contribution for the current tax year based on age and coverage.

  • HSA Goal

    Plan for retirement by determining how to reach your desired HSA balance to carry into retirement.

  • HSA Savings

    Estimate how much your HSA will grow over time. Adjust your plan to optimize savings.

  • HSA Vs Traditional

    Compare the savings of a High Deductible Health Plan with HSA to a traditional health plan.

  • Lunch Saver

    Illustrate the impact of small savings like bringing lunch to work on your overall savings.

  • Millionaire

    Find out what it takes to save a million dollars. See when you might reach this goal and how to adjust your plan.




Investments

  • Certificate of Deposit (CD) Interest

    Calculate the interest and APY for your CD. View a detailed schedule of your CD's balance and earnings.

  • CD Ladder

    Explore the benefits of a CD Ladder for better rates and liquidity by staggering maturities.

  • Compound Interest

    See how frequent compounding increases savings by earning interest on interest over time.




Retirement

  • Social Security Benefits

    Estimate your Social Security benefits based on work history and income. Actual benefits may vary.

  • Roth IRA

    Roth IRAs offer tax-free growth on retirement savings, though contributions are not tax-deductible.

  • Roth Transfer

    Evaluate converting a Traditional IRA to a Roth IRA. Compare the pros and cons for your situation.

  • Traditional IRA

    Get a tax deduction now with a Traditional IRA, while enjoying tax-deferred growth until retirement.

  • Retirement Plan

    Create a retirement plan, including savings, withdrawals, and Social Security benefits for you and a spouse.

  • 401K Savings Plan

    Maximize retirement savings with a 401(k) plan offering tax-deferred contributions and employer matching.




Debt

  • Credit Assessment

    Assess your credit as 'Good,' 'Fair,' or 'Needs Improvement' based on your information.

  • HELOC Credit Calculator

    Estimate the home equity line of credit you may qualify for, considering your home's value and debts.

  • Debt Amount

    Calculate how much you owe on credit cards and loans. Start planning your debt management strategy.

  • Debt Consolidate

    Determine if debt consolidation suits you by adjusting loan amounts, terms, and rates to fit your budget.

  • Payoff Credit Cards

    See what it takes to pay off your credit card balance and adjust your plan to meet repayment goals.




Personal

  • Home Budget Calculator

    Track income and expenses to manage your monthly budget effectively. Identify areas for improvement.

  • Life Insurance Estimator

    Calculate the life insurance coverage you need based on assets, expenses, income, and future inflation.

  • Net Worth Calculator

    Assess your net worth by subtracting liabilities from assets, and project growth over the next decade.


After you've assessed your finances with our financial tools, put your money to work with a Great Southern Bank account. Apply online or find a location near you to get started today.

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Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.


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