American Heritage Financial Planning Calculators

Buying a car, refinancing a home, saving for college – American Heritage members are often busy calculating the finances of life’s decisions. To help that process, American Heritage offers calculators for all of your money issues.



Credit Card Payoff
Review different repayment amounts and find the best option to pay off your credit card debt.

Monthly Loan Payment
Enter your desired payment or loan amount and let us calculate the rest!

Debt Consolidation
Should you consolidate balances from multiple credit cards into one? Find out if debt consolidation is right for you.

Frequency of Payments
Enter different payment plan frequencies and see the payment or loan buy-down amounts.



Auto Loan Payments
Use this calculator to determine your car loan payment or to find out your total purchase price.

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

Dealer Financing vs. Credit Union Financing
Determine which is the better deal: dealer financing, or credit union financing combined with a manufacturer rebate.

Auto Refinance Savings
How much interest can you save if you refinance your auto loan? Find out with this calculator.

Home Equity vs. Auto Loan
A home equity loan may have a lower interest rate and be a better deal for a vehicle purchase.

Loan Comparison
Compare financing options to find the best monthly payment and interest savings.
Compare loan payments with optional loan protection options. 



Mortgage Qualifier
Discover just how much you can afford in the cost of a home.

Mortgage Loan Payment
Know the price? This calculator shows your monthly payment and amortization schedule.

Mortgage Refinance Break-Even
Should you refinance your mortgage? See when you will break even on the costs of refinancing.

Biweekly Payments
Discover how biweekly payments can save your thousands in interest payments and shave years off your mortgage.

Mortgage Payoff
Save thousands of dollars in interest by increasing your monthly payment.



Savings Builder
Enter an amount you want to invest and see how you can accumulate wealth.

Savings Goals
See what it will take to reach your savings goal.

Cool Million
How much do you have to save to be a millionaire? This calculator lets you know.

Emergency Savings
Having adequate funds in a special account make any emergency more manageable.

Benefits of Spending Less
Reducing your spending can be worth more than you might think.