Tools and Resources

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Make Informed Financial Decisions

From estimating a loan payment to assessing your financial wellness, get a reality check on what matters to you.

Explore all tools with a personalized account.

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All financial calculators use assumptions that may not match your situation. Consult a qualified professional when making important financial decisions.

Saving and Investing

Net Worth

Calculate the difference between your assets and liabilities.

Life Insurance

Estimate your life insurance needs in five simple steps.

Long-Term Investing

Discover the magic of compounding over several years.

Retirement Income

Estimate how long your retirement savings may last.

Social Security

Estimate how much you could earn from Social Security payments.

Emergency Fund

Not sure how much to save? Explore multiple scenarios.

Daily Spending

Explore how small daily expenses can add up over time.

Monthly Subscriptions

Over the years, recurring monthly charges can strain your budget.

Saving for a Goal

See how long it will take to reach your savings goal.

Simple Savings

Calculate interest from savings accounts and similar savings tools.

Share Certificate Ladder

A certificate ladder may increase your investment returns.

Compare Certificates

Compare two share certificates or similar savings options.

Loans and Credit Cards

Credit Score Estimator

Get an approximate credit score in less than a minute.

Debt-to-Income Ratio

Explore your debt-to-income ratio and learn what it means.

Auto Loan

Get payments or set a desired payment to see price ranges.

Auto Refinancing

Could you save by refinancing your auto loan?

Mortgage

Estimate payments and total cost, including extra payment options.

Home Affordability

Estimate the home you could afford based on income and debts.

Mortgage Refinancing

Explore potential savings and cash-out options.

Home Equity Line of Credit

Explore options for tapping the equity of your home.

Credit Card Repayment

How long will it take and how much will it cost?

Balance Transfer

Explore potential savings from a card transfer offer.

Personal Loan

Could a personal loan be right for you?

Student Loan

Estimate your payment for one-time or annual borrowing.

Student Loan Refinancing

Could refinancing save money?

Maximum Student Loan

A common rule of thumb based on starting salary.

Assessments and Data Tools

Tax Bracket Calculator

Estimate how much you may owe in taxes based on income and other factors.

Financial Wellness

Explore your financial health in three minutes or less.

Identity Theft Prevention

How well do you protect your identity?

Financial Attitudes

See how closely you match one of four personality types.

College Explorer

Get the details on thousands of colleges and universities.

Career Explorer

Videos, profiles, and salary details for hundreds of careers.

Financial Stress

Check your financial stress across three key domains.

Join MIDFLORIDA's Money Minute Community

Create a free account to track your spending, set financial goals, access courses, plus more!

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Makes Cents Podcast

Explore MIDFLORIDA's Makes Cents podcast, produced by our financial education team.

Each episode breaks down personal finance in a way that’s clear, practical, and actually helpful - because your financial future should make sense.

About MIDFLORIDA

Since our founding in 1954, MIDFLORIDA has grown to serve members throughout the state of Florida, with branches coast-to-coast from Gainesville to Naples. Our products and services rival any local bank, while maintaining the credit union philosophy of excellent personal attention.

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