Calculators

Calculators

Just like your favorite neighbor that lends you the tools you need to get the job done, we offer you the financial tools you need to calculate your loan payments, interest earned and much more.

Great tools that you’re sure to use over and over!

Monona State Bank offers several financial calculators to assist you in planning, estimating and exploring your financial options. Of course, our personal bankers are always available to assist you with any financial questions you may have.


Mortage Calculators

For our mortgage calculators, click here


Home Equity & Loans

Home Equity Debt Consolidation
Should you consolidate your debt? Use this calculator to find out.

Home Equity Line of Credit Calculator
How big of a home equity line of credit can you receive? Use this calculator to find out!

Loan Prequalification Calculator
Use this calculator as your first step in determining your ability to qualify for a loan.

Loan Calculator
Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and this calculator will calculate your monthly payment!


Credit Cards & Debt Management

Debt Consolidation
Should you consolidate your debt? Use this calculator to find out.

Credit Line
How big a line of credit can you receive? Use this calculator to find out!

Credit Assessment
How is your credit? Use this calculator for a quick assessment!

Equity Line of Credit Payments
What will my monthly payments be for an interest only equity line of credit?

How Much Do You Owe?
Use this calculator as a starting point for your debt management plan.

Rolldown Your Credit Card Debt
The Credit Card Rolldown Calculator applies two simple principles to paying off your credit card debt.

Accelerated Debt Payoff
Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff.

Credit Card Payoff
Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.

Personal Debt Consolidation
Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.


Auto Loans

Auto Loan
Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!

Buy vs. Lease
Should you lease your next automobile or finance it? Find out with this calculator!

Auto Loan vs. Home Equity Loan
Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.

Auto Loan Early Payoff
Find out how much interest you can save by increasing your monthly auto loan payment.


Savings & Retirement

Certificate of Deposit
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.

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

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

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

Retirement Planner
Quickly determine if you retirement plan is on track - and learn how to keep it there.

Roth vs. Traditional IRA
Use this calculator to determine which IRA is right for you.

Roth IRA
Use this calculator to compare the Roth IRA to an ordinary taxable investment.

Traditional IRA
How can contributing to a regular IRA help you in your retirement?

401(k) Savings
A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you can not afford to pass up.

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.

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.

How Long Will Retirement Savings Last?
Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals.

Required Minimum Distribution (RMD) for Current Year
Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year.

Required Minimum Distribution (RMD)
Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account. This financial calculator will also look at potential future year's distribution requirements.

Retirement Contribution Effects on Paycheck
Use this calculator to see how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your paycheck as well as your retirement.


Personal Savings

Checkbook Balancer
Balance your checkbook with this quick and easy calculator.

Home Budget Analysis
Analyze your budget, see where your money goes and find out where you can improve!

Net Worth
This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.

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