Calculators

Make better financial decisions about saving, budgeting, mortgages and more.

Use this tool to estimate the future value of savings based on your estimated savings and assuming a taxable account.

How long will it take to reach my savings goal?

Use this tool to estimate the future value of savings based on inputs such as current savings amount, additional deposits, timeframe, or return rate.

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What will it take to save for a vehicle, home, etc.?

Use this tool to calculate different ways to grow saving for buying a vehicle, home, or other big-ticket item.

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How much do I need to deposit monthly to reach my savings goal?

Use this tool to estimate the future value of savings based on inputs such as current savings amount, additional deposits, timeframe, or return rate.

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What's it worth to reduce my spending?

Use this tool to estimate how much reductions in your spending through specific budget-tightening ideas may be worth if you invest the savings.

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What will it take to save for a college education?

Use this calculator to help determine the lump-sum amount you'll need to pay your college tuition bill, taking into consideration a designated inflation rate.

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What will it take to become a millionaire?

Use this tool to see how long it will take to save $1 million (in a taxable account) based on your estimated savings and taking into consideration inflation.

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What rate of return do I need to reach my savings goal?

Use this tool to estimate the future value of savings based on inputs such as current savings amount, additional deposits, timeframe, or return rate.

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How will taxes and inflation affect my savings?

Use this tool to see the effect of inflation and income taxes on your savings plan over time.

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How much am I spending each month?

Use this calculator to see how much you are currently spending and how much you could save by spending less.

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How much should I set aside for emergencies?

Use this calculator to find out how much you would need to save for an emergency reserve fund for unanticipated expenses or loss of income.

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Should I consolidate my debts?

Use this tool to compare monthly payments, total interest, and total tax savings between your existing loans and credit cards with a new loan into consolidating all your debts.

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What's it worth to reduce my spending?

Use this tool to estimate how much reductions in your spending through specific budget-tightening ideas may be worth if you invest the savings.

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Should I pay off debt or invest in savings?

Use this calculator to help you determine whether paying off your debt or investing the same amount would be a better financial decision.

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What will it take to pay off my balance?

Use this calculator to help you determine how you could pay off your credit card, based either on a desired timeframe or monthly payment amount.

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How much will it cost to raise a child?

This tool shows the cost of raising a child, not adjusted for inflation, in total and by year, from the age of zero until 20.

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What will it take to save for a college education?

Use this calculator to help determine the lump-sum amount you'll need to pay your college tuition bill, taking into consideration a designated inflation rate.

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What is the value of higher education?

Use this calculator to see how higher education could pay off financially during your earning lifetime, including an advanced degree if you already have a college degree.

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What investments can I use to save for college?

Use this tool to better understand available options for saving for college based on your income, tax filing status, and savings goals, including tax-advantaged accounts like Section 529 plans.

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On April 2, 2022, People's United Bank, N.A. merged into M&T Bank. It is now part of M&T Bank and its former branches and most services will operate as the People's United division of M&T Bank until we complete the integration of our systems later in 2022. M&T Bank is a Member FDIC, Equal Housing Lender and Equal Opportunity Lender.