Calculators

At First Commerce, we believe in empowering you to make good financial decisions. Use these free calculators to help you evaluate options for buying or refinancing a home or car, saving money, paying off debt, and more.

It is our goal to be your financial partner for life. If you would like help understanding your options and making decisions about your money, our Financial Services Officers are here for you! Give us a call at 850.488.0035 or 1.800.533.5772 or visit any of our locations.

Auto Loan Payments
Determine your car loan payment or find out your 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
See what refinancing can save you.

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

Loan Comparison
Compare financing options to find the best monthly payment and interest savings.

Credit Card Payoff
Uncover your payoff options and consider changes to meet your repayment goals.

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

Debt Consolidation
Find out if debt consolidation is right for you.

Frequency of Payments
Calculate payment or loan amounts for different payment frequencies.

Mortgage Qualifier
Discover just how much you can afford.

Mortgage Loan Payment
Find your monthly payment and amortization schedule.

Mortgage Refinance Break-Even
Should you refinance your mortgage? See when you will break even.

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

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

Savings Builder
See how consistent investing is an effective strategy for accumulating wealth.

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

Cool Million
Adjust your current savings plan to make you a millionaire.

Emergency Savings
Compute your emergency savings needs.

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