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Banking Calculators  
Loan Calculators | Mortgage Calculators | Savings Calculators
Budgeting & Personal Finance Calculators | Planning and Retirement Calculators



Important Notice:
Links to the interactive calculators and information provided below are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

 
 
Loan Calculators  
Auto Loan Calculator  
This calculator can help you determine your monthly auto loan payment or your auto purchase price. Graph options allow you to how different loan terms or down payments can impact your monthly payment. You can also examine your complete amortization schedule.  
   
Home Equity vs. Auto Loan Calculator  
This calculator can help you determine if a home equity loan makes sense for your next automobile purchase.  
   
Credit Card Payoff Calculator  

This calculator can help you see what it will take to payoff your credit card balance, and what you can change to meet your repayment goals.

 
   
Credit Card Roll-Down Debt Calculator  
This calculator applies two simple principles to paying off your credit card debt: Pay off your highest interest rate first; and when a card balance is paid in full, apply its monthly payment to the card with the next highest interest rate.  
   
Amortizing Loan Calculator  
This calculator calculates your loan amount based on a desired payment or your monthly payment based on a desired loan amount. You can then examine your principal balances by payment, total of all payments made, and total interest paid.  
 
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Mortgage Calculators  
Mortgage Loan Calculator  
Use this calculator to determine your monthly payment and amortization schedule. This calculator can also determine the impact of any principal prepayments.  
Bi-Weekly Payment Calculator  

This calculator shows your possible savings by using an accelerated bi-weekly mortgage payment.
(NOTE: We do not offer a bi-weekly payment option on our conventional first mortgage loans)

 
   
Mortgage Comparison Calculator  
This calculator compares a 15-year mortgage to a 30-year mortgage, and will help you decide which term is better for you (FNBG does not currently offer 30-year mortgages).  
   
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Savings Calculators  
CD Calculator  
This calculator will determine how much interest you can earn on a Certificate of Deposit (CD).  
   
CD Ladder Calculator  
This calculator examines the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder.  
   
Savings Calculator  
This calculator demonstrates how consistent investments over a number of years can be an effective strategy to accumulate wealth, and how it can work for you.  
   
"Cool Million" Calculator  
This calculator helps you find out what it might take to save one million dollars?  
   
Savings Goals Calculator  
This calculator helps you find out what it will take to help reach your savings goals.  
   
Savings Bond Calculators (Treasury Direct)  
Use these calculators from Treasury Direct to find out what your bonds are worth.  
   
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Budgeting and Personal Finance Calculators  
Home Budget Analysis Calculator  
This calculator analyzes your budget, determines where your money goes, how much you can save and finds out where you can improve.  
   
Net Worth Calculator  
This calculator helps you determine your net worth, and also estimates how your net worth could grow (or shrink) over the next ten years.  
   
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Planning and Retirement Calculators  
Retirement Planner  
This calculator will quickly determine if your retirement plan is on track - and learn how to keep it there.  
   
Social Security Benefits Calculator  
Use this calculator to estimate your Social Security benefits.  
   
Investment Returns Calculator  
Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line.  
   
FDIC Electronic Deposit Insurance Estimator (EDIE)  
This calculator allows you to calculate the insurance coverage of your accounts at each FDIC-insured institution.  
   
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    Each depositor insured to at least $100,000
    The First National Bank of Groton
P.O. Box 38, 161 Main Street, Groton, NY 13073 • 41 S. Main Street, Moravia, NY 13118
(607) 898-5871 • (315) 497-2707
Buzz: (607) 898-9700 • (315) 497-2200