Putnam State Bank

Financial Calculators

Mortgage Loan Calculator
Use this calculator to determine your monthly payment and amortization schedule.

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

Personal Debt Consolidation Calculator
Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you. Enter your credit cards, auto loans and other installment loans. Change the loan amount, term or rate to create a loan that will work within your budget.

Retirement Planner
Do you know what it will take to create a secure retirement? Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement. Social security is calculated on a sliding scale based on your income. Including a non-working spouse in your plan increases your social security benefits up to, but not over, the maximum.

Retirement Income Calculator
Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement. Your annual savings, expected rate of return and your current age all have an impact on your retirement's monthly income. View the full report to see a year by year break down of your retirement savings.

Asset Allocator
The Asset Allocator is designed to help you create a balanced portfolio of investments. Your age, ability to tolerate risk, and several other factors are used to calculate a desirable mix of stocks, bonds and cash. The calculated asset allocation is a great place to start your analysis in building a balanced portfolio.

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

Savings Calculator
Consistent investments over a number or years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. This calculator demonstrates how to put this savings strategy to work for you!

Please note that all financial calculators require a Java enabled browser. For best results use Internet Explorer 4.0 and higher or Netscape Navigator 4.0 and higher.

These calculators are made available to you as self-help tools for your independent use. We do not guarantee their accuracy or applicability to your circumstances. These tools are not intended to provide investments, legal, tax, or accounting advice. All examples are hypothetical and for illustrative purpose only. You may wish to consult your financial institution or financial advisor for additional information and advice. All loans would be subject to approval and credit terms may vary."

Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.