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Home - Emporia State Federal Credit Union


Auto Loan Affordability Calculator

Explore how much car you can afford based on payment preferences.

Auto Rebate

Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate. A rebate will reduce your auto loan balance, while low interest financing lowers your monthly payment. The best option depends on the price of the vehicle, the size of the rebate and the interest rates available for financing.

Budget Calculator

An easy tool to get you started on a budget!

Fifty/Thirty/Twenty Calculator

50% Needs/30% Wants/20% Savings.  Put in your monthly after-tax income and see how the rule applies to you.

HELOC Estimation Calculator

Find out how much equity you have in your home.

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.

Retirement Calculator

How much should you be saving for retirement?

Retirement Nest Egg

Do you know how much it takes to create a secure retirement? Use this calculator to help determine what size your retirement nestegg should be.

Savings Calculator

Consistent saving over a number of 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.

Student Budget

Use this calculator to help analyze your budget as a full-time student. This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution. This calculator allows you to input your expenses and income for an eight-month school year running from September through April.