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Calculators

Calculators

By providing clear, accurate insights, these calculators empower you to take control of your financial future with confidence and clarity!

Saving & Investing

Long-Term Investing

Discover the magic of compounding investments.

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Net Worth Calculator

Calculate the difference between your assets and liabilities.

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Share Certificate Ladder

A certificate ladder may increase your investment returns.

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Compare Share Certificates

Compare the returns of two share certificates side by side.

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Simple Savings Calculator

Calculate interest from savings accounts and similar savings tools.

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Short-Term Saving

See how long it will take to reach your goal.

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Daily Spending Calculator

Explore how small daily expenses can add up over time.

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Monthly Subscriptions

Recurring monthly charges can strain your budget.

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Emergency Fund Calculator

Protect your finances when the unexpected happens.

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Loans & Credit Cards

Auto Loan Calculator

Estimate payments and total cost.

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Credit Card Repayment

How long and how much?

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Credit Card Payment

Spoiler alert - it's expensive.

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Debt-to-Income Ratio

Explore your debt-to-income ratio.

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Mortgage Calculators

Estimate monthly payments.

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Mortgage Refinancing

Explore potential savings and cash-out options.

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Student Loan Calculator

Estimate your payment for one-time or annual borrowing.

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Student Loan Refinancing

Could refinancing your student loan save money?

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Maximum Student Loan

A common rule of thumb based on starting salary.

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Assessments & Data Tools

College Explorer Tool

Get the details on thousands of colleges and universities.

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Financial Wellness

Compare your financial health with a national sample.

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Identity Theft Prevention

How well do you protect your identity?

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Financial Attitudes

See how closely you match one of four personality types.

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Career Explorer

Learn more about hundreds of careers.

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Become a Member

Join First New York to open your All Access or Choice account.

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Contact Center

Text (518) 393-1326 or call to speak with a Member Service Specialist.***

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Set Up E-Statements

Learn how to enroll through online banking or our mobile app.

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Locations

Find a local First New York branch or ITM/ATM near you!

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