# Financial Tools

### Savings

Benefit of Spending Less | Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth. |

CD Ladder Calculator | Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder. |

Certificate of Deposit Calculator | Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD). |

College Savings | Use this calculator to help develop or fine tune your education savings plan. |

Compare Savings Rates | Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy! |

Compounding and Your Return | This calculator demonstrates how compounding can affect your savings. |

Cool Million | Find out when your savings plan may make you a millionaire! |

Credit Union Certificate Calculator | Use this calculator to find out how much you can earn on a Certificate. Just enter a few pieces of information and we will calculate your Annual Percentage Yield (APY) and ending balance. |

Don't Delay Your Savings! | Waiting to begin your savings plan can have a huge impact on your results. This calculator helps show you how much postponing your savings plan can really cost. |

Emergency Savings Calculator | This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal. |

Home Buyer Savings Calculator | Use this tool to help you calculate what it might take to save for your new house. |

Lunch Savings | Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up. |

Savings Calculator | Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth. |

Savings Distribution Calculator | Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals. |

Savings Goals | What will it take to reach your savings goal? This financial calculator helps you find out. |

Savings, Taxes, and Inflation | Use this calculator to determine how much your savings will be worth with these two important variables in mind. |