Calculator Library
Whether you're planning your budget, contemplating a loan, or estimating your savings, our calculators provide quick results to guide your financial decisions.
Mortgage Calculators
No matter if you are looking to buy your first home, a vacation home, or considering refinancing your mortgage, you have tools at your fingertips to help you feel comfortable about your decision.
How Much Will My Mortgage Payments Be?
Understand what your monthly payment could be.
Mortgage FAQs
Mortgage insurance lowers the risk to the lender of making a low down-payment loan to you, so you can qualify for a loan that you might not otherwise be able to get. Typically, borrowers need to pay mortgage insurance when making a down payment of less than 20 percent of the purchase price when purchasing a home or borrowing more than 80 percent of their home’s value when refinancing.
This insurance may enable you to borrow up to 97% of a sales price or home's value. As your equity grows, you may be able to cancel the mortgage insurance depending on the loan product selected.
You can pay for mortgage insurance through monthly payments or a single payment which may be financed into the loan or possibly negotiated for the seller to pay in purchase transactions.
Please send us with the following documentation:
- A legible copy of the death certificate with a visible seal
- A copy of the Letters of Testamentary appointing an Executor of the Estate, if applicable
Documentation can be sent in the following ways:
- Mail:
M&T Bank
PO Box 1850
Buffalo NY, 14240
- Fax: 1-716-274-1087
- Email: EstateServices@mtb.com
- In person: Visit your local branch
If you now have an ownership interest in the property as a result of the death, learn how to apply to be confirmed a successor in interest here.
Savings Calculators
Savings goals come in all shapes and sizes. Our calculators give the information you need to begin realizing your dream.
How much will my CD be worth at maturity?
Understand the maturity value of your certificate of deposit.
How long will it take to reach my savings goal?
Determine the length of time you will need to save to meet a goal.
Which savings option earns more if rates increase?
Discover which option provides the greater return if interest rates rise.
Savings FAQs
Visit an M&T Bank branch near you, or call us at 1-800-724-3222 or set up an appointment with a Relationship Banker.
Unless your CD is an Automatically Renewable Add on Time Deposit, money can only be added during the 10-calendar-day grace period after the maturity date if you haven’t made another deposit or withdrawal during the grace period.
Lending Calculators
Whether you are considering interest and payments for a personal loan, consolidating debt, paying off a balance or applying for a cash back rewards card, M&T lending calculators are here to guide you along the way and help you determine which options are right for you!
HELOC Rate and Payment Calculator
Estimate monthly payments based on loan amount, LTV and credit score.
Should I Consolidate My Debt?
Discover consolidation loan options based on your unique needs.
How Important Is The Interest Rate To My Credit Card Balance?
Learn how long it may take to pay off your credit card.
Lending FAQs
Yes, as long as you make principal and interest payments on your line of credit, you can use the funds again during your draw period up to the original credit limit.
For the most accurate payoff amount, please call us at 1-800-724-6444 and we’ll be happy to assist you.
Retirement Calculators
It’s never too soon to plan for your future. Our tools can assist you in making informed decisions based on your unique financial situation.
How Much Do I Need To Save For Retirement?
Use this calculator to understand whether you’re saving enough.
How Much Will Social Security Provide After Retirement?
Find out how much you can expect to receive from Social Security.
How Will Retirement Affect My Expenses?
Enter information on spending habits to understand retirement scenarios.
Retirement FAQs
Investment advisors that are registered with either the U.S. Securities and Exchange Commission (SEC) or with state securities agencies are referred to as registered investment advisors, or RIAs. By registering, advisors commit to the fiduciary responsibility of putting clients’ best interests before their own.
Whether investment advisors register with the SEC or in the states where they practice depends mostly on how much money they manage. Advisors managing more than $100 million in assets are required to register with the SEC. Those managing less generally register with their state securities commission.
Registration with the SEC does not imply a certain level of skill or training.
No. Any fees you pay to buy, sell, or hold an asset or to collect interest or dividends are not eligible for income tax deduction. This would include brokerage or transaction fees, management and advisor fees, custodial fees, accounting costs, and fund operating expenses.
Prior to the Tax Cuts and Jobs Act of 2017, you could itemize and deduct investment fees that were necessary to produce and collect taxable income if those deductions were greater than 2% of your adjusted gross income. Those deductions have been suspended through at least 2025.
If you itemize deductions, you may still be able to deduct investment interest expenses, which would mean any interest paid on money you borrowed to buy taxable investments. A tax advisor can help you here since such advice always requires consideration of individual circumstances.
Explore M&T Resources
Boost your confidence in understanding your personal finances, set goals, and prepare for the future.
