Lending Calculator Library

Whether you are considering consolidating your debt, paying off a balance or applying for a cash back rewards card, M&T is here to guide you along the way and help you determine which options are right for you!


Should I Consolidate My Debt?

Did you know that consolidating multiple payments into one can help you lower your overall monthly payments and/or pay down debt faster? Explore the tool below to find consolidation loan options based on your unique needs.


Should I Consolidate My Credit Cards?

Do you feel overwhelmed managing too many credit cards? Credit card debt consolidation can help you manage your finances better and save on interest payments. Explore the tool below to find credit card consolidation options that work best for your situation.


Personal Loan Rate Calculator

Considering a personal loan? Explore what M&T has to offer, with an unsecured personal loan that allows you to select terms that fit your needs, receive great rates, and experience a fast approval process. Use the personal loan rate calculator to help determine your rate and payment.


HELOC Rate and Payment Calculator

With a CHOICEquity loan from M&T Bank, you can choose the terms that are right for you, get great rates and enjoy a fast approval process. Use our HELOC rate and payment calculator to help determine estimated monthly payments based on loan amount, LTV and credit score.


What Will It Take To Pay Off My Credit Card?

Trying to pay off your credit card balance? This tool helps you estimate the amount of time it would take to pay off your credit card balance based on your desired payoff plan, the amount you owe and the interest rate.


How Important Is The Interest Rate To My Credit Card Balance?

Your credit card interest rate can affect the overall time it takes to pay off your credit card balance. Learn how long it may take to pay off your credit card based on your interest rate, spending and payment habits.


How Large of a Line of Credit Can I Obtain?

Have you considered a line of credit but not sure how much you could qualify for? This tool will show you the maximum possible credit line you can obtain based on your home value, existing mortgage loans, and the maximum combined loan-to-value (CLTV) ratio inputs.


How Much am I Spending?

Do you have a clear understanding of your monthly spending? This calculator can show you your total spend all in one place. It can also show you how much you can save by spending less and the value of your savings after 10 years.


This information is being provided for informational purposes only and is neither a loan commitment nor a guarantee of any interest rate.

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions, and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details.

All loans and lines of credit are subject to credit approval. Additional terms and conditions may apply depending on the type of collateral and other terms offered or chosen.