How can we help you?
Calculators
Auto Loan Payments - Determine your car loan payment or find out your purchase price.
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.
Commercial Loan Calculator - Evaluate options for a new commercial loan.
Debt Service Coverage Calculator - Estimate your debt service coverage with a new commercial loan.
Business Debt Consolidation Calculator - Is debt consolidation right for you? See what your monthly payment would be.
Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot 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.
Breakeven Analysis Calculator - How many units of your product do you need to sell to make a profit?
Profit Margin Calculator - Determine your selling price to achieve a desired profit margin.
Cash Flow Calculator - What is the cash flow generated by your business?
Business Valuation - Discounted Cash Flow Calculator - Look at three methods of determining the value of your business: the income approach, the asset approach and the market approach.
Working Capital Needs Calculator - Your working capital is used to pay short-term obligations such as your accounts payable and buying inventory. How much working capital do you need?
Inventory Analysis Calculator - How much inventory should you hold and when should you place inventory orders?
Financial Ratios Calculator - Zero in on areas of your business that may need attention such as solvency, liquidity, operational efficiency and profitability.
Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot 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.
Credit Card Payoff - Uncover your payoff options and consider changes to meet your repayment goals.
Debt Consolidation - Find out if debt consolidation is right for you.
Monthly Loan Payment - Enter your desired payment or loan amount and let us calculate the rest!
Frequency of Payments - Calculate payment or loan amounts for different payment frequencies.
Mortgage Loan Payment - Find your monthly payment and amortization schedule. (Payment examples do not include taxes and insurance, if applicable, which would be added to the actual payment.)
Mortgage Extra Principal / Accelerated Repayment - Save thousands of dollars in interest by increasing your monthly payment.
Westerra financially supports the Colorado Homeownership Coalition, which provides mortgage assistance to individuals and families when they need an extra hand. Since 2019, Westerra has committed to contribute up to $10,000 annually in donations to help people stay in their homes.
MORTGAGE PAYMENT COMPARISON - 30-Year fixed-rate loan, with a 20% down payment
The corresponding APR for each interest rate is provided next to the estimated monthly payment. For example, a mortgage amount of $200,000 with an estimated monthly payment of $984 and an interest rate of 4.25% would have an APR of 4.333%.
*APR = Annual Percentage Rate. The payment amounts provided do not include homeowners insurance or property taxes which must be paid in addition to your loan payment. Your actual payment may be higher. Your loan's interest rate will depend on the specific characteristics of the loan transaction and your credit profile at the time of closing. Estimated closing costs used in the APR calculations are assumed to be paid by the borrower at closing. If the closing costs are financed, the loan, APR and payment amounts will be higher. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. Rates are current as of 8/18/15 and are subject to change. Equal Housing Opportunity.
Benefits of Spending Less / Budgeting - Reducing your spending can be worth more than you might think.
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.
How to Save $1Million - Adjust your current savings plan to make you a millionaire.
