Agriculture Tools and Calculators

Simple tools and calculators to plan your retirement, build your education savings or calculate your mortgage or loan payments.

Tools and Calculators

For your borrowing needs

Mortgage Calculators:

The Mortgage Affordability Calculator helps you to determine how much you can borrow. The Mortgage Payment Calculator estimates the amount of a mortgage payment and generates an amortization schedule for payments. The Mortgage Comparison Calculator establishes which mortgage product is right for you.

Loan Calculator:

Our Loan Calculator helps to determine the amount you can borrow and what your repayment schedule might be.

For your savings and retirement

Retirement Planner

Our Retirement Planner Calculator determines the amount of savings that you'll need to retire comfortably. By flagging any shortfalls or surpluses, the Calculator outlines the savings required to reach your financial goals for retirement.

RRIF Calculator

Our Retirement Income Fund Calculator provides withdrawal minimums and payment options based on the consumption and length of the investment.

TFSA Calculator

Our Tax-Free Savings Account Calculator helps to quantify the financial benefits of investing through TFSAs when investment income is shielded from taxes.

For your education savings

Education Savings Calculator

Our Registered Education Savings Plan Calculator assists in determining the cost of a child's post-secondary education and maps out the savings required - through individual contributions and government grants - to meet the financial target.

For your financial fitness

Can't make it into your branch? We've built these cool tools so you can plan, track, check and do.

Net Worth Calculator

Having a financial plan isn't just about future goals.  It's also about understanding where you're really at today.  Knowing the difference between what you own and what you owe is the first step in creating a plan.  Our easy to use Net Worth Calculator will help you understand this difference so that you can make the best decisions about your financial future.  In just 5 easy (secure and anonymous) steps you'll know where you stand and what you can do about it.  Get started now!

Cashflow Budgetting Tools

The "low tech" version!  Do you have a handle on where your money is coming from and where it's going? Are your financial goals achievable, and do you know how to get there? Download our Budgetting Tool (pdf or excel) and get a better picture where you are now, and where you can be in the future. When you're ready, we're here to help ... just bring in your completed goal planner to a branch near you and we'll get started together!

Banking on the go

We are where you are!

When you're on the go, you can connect to YNCU's banking services on a smart phone, tablet or mobile phone that supports text messaging.  Learn more about Mobile Web Banking, YNCU Connect Mobile App and Text Message Banking at


Links we like

Financial Consumer Agency of Canada

The Financial Consumer Agency of Canada (FCAC) is an independent body working to protect and inform consumers of financial products and services.  Available on this website are tools, calculators, publications and more about banking, budgeting & money management, fraud, insurance, mortgages and loans, credit cards, savings & investments and more!

Get Smarter About Money

Get answers to your money questions.