. Main Menu LOGIN CALCULATORS Financial Calculators You can calculate your monthly payments, total interest to be paid, amortization schedule, total payments to be made, and more! Click on the appropriate link to access the financial calculator that will best help you with your planning. Home Financing Should I refinance? How much will my adjustable rate mortgage payments be? Should I rent or buy? How much will I save by increasing my mortgage payment? How much mortgage might I qualify for? How much home can I afford? Personal Financing How much car can I afford? How long will it take to pay off my credit card? How much do I need to save for college? How much will I need to save for a major purchase? How much can I afford to borrow? How long will it take to pay off my loan? How much will my loan payments be? Should I consolidate my loans? Is an Auto Loan or Home Equity Loan best for purchasing a car? How soon can I eliminate my debts? Investment How can I save a million dollars? What is my investment yield? How much could I save over time? How much should I save each month? Retirement Which is better for me, a Traditional IRA or a Roth IRA? How much will my Traditional IRA be worth at retirement? How much will my Roth IRA be worth at retirement? How long will my retirement savings last? How much do I need to fund my retirement? Calculator disclaimer Presented by TimeValue Software ©2021 Member FDIC © 2021 Upper Peninsula State Bank Home Branch & ATM Locations Privacy and Security Contact Us Employment Site Map