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Retirement Savings and Planning

Savings Calculators

Personal Finance

  • Basic Calculator This works just like a pocket calculator.
  • Basic Financial Calculator This works just like a pocket financial calculator. In addition to arithmetic, it can also calculate present value, future value, payments or number of periods.
  • Credit Assessment How is your credit? Use this calculator for a quick assessment!
  • Debt-to-Income Ratio Use this calculator to determine your debt-to-income ratio, an important measure in determining your ability to get a loan.
  • Home Budget Analysis Analyze your budget, see where your money goes and find out where you can improve!
  • Life Expectancy This calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices.
  • Net Worth Calculator This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
  • Student Budget This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

Business Calculators

  • Cash Flow Calculator Having adequate cash flow is essential to keep your business running. Use this calculator to help you determine the cash flow generated by your business.
  • Commercial Loan Calculator Use this calculator to estimate your debt service coverage with a new loan. If your debt service coverage is high enough, including your new loan payment, you have a good chance of being approved.
  • Debt Service Coverage Ratio (DSCR) While several factors are considered in commercial loan underwriting, debt service coverage is primary among them and indicates a borrower's capacity to service a loan. This tool calculates the Debt Service Coverage Ratio (DSCR) and illustrates how DSCR is impacted by changing income, equity and capital assumptions.

First Commerce Bank
https://www.firstcommercebk.com

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.