Tools & Calculators for Saving & Budgeting

Need some help along your financial journey? You've come to the right place. Our budget and planning calculators can determine how much you can afford, what insurance you need and how to plan for life’s biggest financial moments.

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Retirement needs calculator

Whether you started work a year ago or retirement is drawing near, the more you plan - the more you’ll save.  Our retirement needs calculator can help start to plan for your future, so you can enjoy the here and now.

Calculate my retirement needs

Ready to speak to someone about your retirement plans? Find a local rep near you.

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Savings & investing

Stay on top of your money. Use these tools to create a budget, track your spending habits and more.

Budget calculator

Determine how to calculate your budget with our budgeting calculator.

Debt payoff worksheet 

Track and plan how to pay off your debt with our printable debt payoff worksheet. Track my debt (PDF)

Holiday budget worksheet

Plan your budget and how to save for the holidays with our holiday budget worksheet. Plan my holiday spending (PDF)

Savings goal calculator

Start saving today with this savings goal calculator

Spending plan worksheet

Use this spending plan worksheet to see your spending habits. Track my spending habits (PDF)

Budget worksheet 

Start planning your budget with our printable budget worksheet. Budget worksheet (PDF)

Pay off debt or invest?

Determine whether to pay off debt or invest with our pay off debt or invest calculator.

Market & economic insights

Follow economic and financial market developments

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Car, home & life calculators

Need a bigger car? Ready for your forever home? Curious about life insurance? These tools can help.

What car can I afford?

Calculate how much car you can afford based on your down payment, desired monthly payment, annual interest rate and loan terms. Use our car affordability calculator to determine how much car you can afford. 

What home can I afford?

Calculate the home loan you can afford based on your income, expenses, down payment, interest rate and loan terms. Use our home affordability calculator to determine how much home you can afford.

Create a household inventory list

Can you list every item you own? If something were to happen to your home and everything inside it was destroyed, a household inventory would help. Start one today. 

Household inventory list (Excel)

How much life insurance do I need?

The amount of life insurance you need depends on several things, like the number of children you have, your mortgage, income and more. Use our life insurance calculator to calculate your life insurance needs. 

Ready to start?

Start online, find a local rep, or call us at 866-COUNTRY (866-268-6879). We're here to help!

COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.


May lose value

No bank guarantee

Investment management, retirement, trust and planning services provided by COUNTRY Trust Bank®. 

Auto and home insurance policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Preferred Insurance Company® and COUNTRY Casualty Insurance Company®, Bloomington, IL. 

Life insurance policies issued by COUNTRY Life InsuranceCompany® and COUNTRY Investors Life Assurance Company®, Bloomington, Illinois.

The decision to purchase life insurance should be primarily based on a need for the death benefit. Life insurance policies are not an investment and are not appropriate as a replacement for retirement savings accumulation.