Planning for the future is important, especially when it comes to your finances. Financial planning works best when you have exact numbers. That’s why Iowa State Bank offers Financial Calculators that can help you see where your finances currently are, and what you have to do to reach your goals. We offer calculators for loans, retirement, mortgage, college savings and much more. We encourage you to use these calculators to make sure you’re prepared for the future. 

Investment
With so many factors going into the success of your investments, it can be tough to predict your bottom line. Our investment calculator helps you predict capital, rate of return, taxes and inflation over time to help you get better feel for your investments.

Retirement
Calculate how much money you need to live comfortably while having enough money to do everything you want in your retirement.  Our Retirement Calculator helps you determine how much you’ll need.

Loan
Our Loan Calculator lets you know how much you’ll pay every month on your loan or helps you see how large of a loan you’ll need. 

Education Planning
The costs for education continue to increase. It’s important that you start planning and saving now. Our Education Planning Calculator helps you determine how much you need to save to make sure you can cover the cost for continuing education.

Mortgage
See what you’ll pay every month for you mortgage while also tracking interest payments and your amortization schedule. With our Mortgage Calculator, you can do all those things, as well as determine the impact of any prepayments made on the principal. 

Rent or Buy
Figure how much you’ll pay when renting rather than buying a home. Our Rent or Buy Calculator helps you see which option will be most cost-effective, potentially saving you thousands of dollars.

Early Mortgage Payoff
You can pay thousands of dollars in interest over the life of your mortgage. The faster you pay off your mortgage, the less you’ll pay in interest. Using our Early Mortgage Payoff Calculator, you can see how much money and time you’ll save by paying more on your mortgage payment each month.

Credit Card Payoff
Find out how much you need to pay each month to get back to a zero balance on your credit card. With our Credit Card Payoff Calculator, you can get back on track.

College Savings
Calculate how much you need to save each month to make sure college is affordable with our College Savings Calculator.

Monthly Savings
Everyone is saving for something and trying to hit a goal. Whether you’re saving for a new car, a wedding, a vacation or to build up your emergency fund, our Monthly Savings Calculator helps you determine you much you need to save each month to hit your goal.

Car Affordability
With our Car Affordability Calculator, you can determine how expensive of a car you can afford based on how much you want to pay each month, the down payment and the trade-in value of your current vehicle.

Retirement Longevity
Many retirees worry that they will outlive the money they have saved. Our Retirement Longevity Calculator helps you see with your current savings plan for retirement.

Future Value
Get an idea of how much your current investments will be worth in the future. Our Future Value Calculator uses factors like time, present value, interest rate and compounding period to assess the future potential for your investments.

Loan Affordability
Make sure you have the ability to make your loan payment each month and that you avoid taking out too large of a loan. Our Loan Affordability calculator helps you know what you can handle paying each month.

Mortgage Qualification
Lenders use a variety of factors to determine if you qualify for a mortgage, including credit history, income and expenses. Our Mortgage Qualification Calculator helps you see how large of a mortgage you may qualify for.

Loan Consolidation
If you’re paying off several loans at once, you may want to consider loan consolidation. Our Loan Consolidation Calculator allows you enter your current loan information to show if consolidating your loans will help you save money.