JHFCU is pleased to provide a comprehensive set of Financial Calculators and Learning Guides that can help you find answers to various financial questions and topics. You can enter your financial information to see results or enter data to determine what loan product will best suit your needs. The learning guides can assist you in learning about a particular topic, or understand a specific term or concept.

Please note that the information provided by these calculators has been made available to assist you as a self-help tool for your independent use. JHFCU cannot guarantee their accuracy or validity to your circumstances. We encourage you to seek advice from qualified professionals regarding all personal finance issues.

Calculators Savings What will it take to become a millionaire? How much will my savings be worth? What will it take to save for a vehicle, home, etc.? What will it take to save for a college education? How will taxes and inflation affect my savings? How much of a difference will the rate make? What's it worth to reduce my spending? How much, at what rate, when? Which is better: cash or payments? How much will my CD be worth at maturity? Auto Which is better: a new or used vehicle? How much should depreciation cost me? Should I lease or purchase a vehicle? Should I finance or pay cash for a vehicle? How much will my vehicle payments be? Which vehicle loan is better? What term of vehicle loan should I choose? Should I use a home equity loan instead of an auto loan? Which is better: a rebate or special dealer financing? How long should I keep a vehicle? What vehicle can I afford? Home How much can I borrow? How much will my mortgage payments be? How much will my adjustable rate payments be? Which is better: fixed or adjustable? Should I pay points to lower the rate? Which is better: 15- or 30- year loan term? How much should I put down for a new home? How much can I save in taxes? What will my closing costs be? Am I better off renting? Am I better off refinancing? What will my refinancing costs be? How can I reduce mortgage insurance costs? Which lender has the better loan? Which loan is better? How advantageous are extra payments? What home can I afford? Retirement How will retirement affect my expenses? Am I saving enough? What can I change? How will this account be used? What will I earn with this account? How advantageous is increasing my savings? Which savings or income source will be the largest? How much can I invest before taxes each year? What if I underestimate my expenses? What will my income be after I retire? What will my expenses be after I retire? What happens if tax laws change? How much of an effect can inflation have? Which savings should be used first? How much will Social Security provide after retirement? What if Social Security no longer exists? Roth IRA Which will provide the most retirement income? How will changes in my tax rate affect the decision? What option is best for estate planning? How do return rates affect my retirement income? When should I begin saving? How will a large withdrawal affect the decision? Should I convert my IRA into a Roth IRA? How much may I contribute to an IRA?

Educators Education Resource Center College PayWay Auto Buying a vehicle Paying for a vehicle Credit Report Credit Report Apply for a Loan Home Home Buying Mortgage Refinancing Investing Investing Basics Investing in Mutual Funds