Financial Tools & Resources

Financial Calculators

For your convenience, a variety of calculators are available to assist you in financial planning.

» WestEdge Calculators

» BALANCE Calculators

» Mortgage Calculators

BALANCE Financial Fitness Program

We know that managing finances can be tough. We would love to help out!

Through the BALANCE Toll-free Infoline and Chat, our members have immediate access to a financial counselor by phone Monday through Thursday, 5am to 8pm (PST), Friday, 5am to 5pm, and Saturday, 8am to 5 pm. Counselors can answer a wide variety of financial and credit related questions and send you supplementary materials on your areas of interest. To contact an Infoline counselor, call toll free 1.888.456.2227 and describe your concern to one of our counselors today. If you prefer online communication, visit BALANCE to Chat, or feel free to email a counselor using the following e-mail address:

Credit Report Review – Your credit report can affect your ability to purchase a home, rent an apartment, buy a car, receive favorable insurance rates, or even get a new job. It is important to understand what is on your credit report and how it affects your finances. Further, checking your credit report regularly is a crucial step in protecting yourself from fraud or inaccurate reporting. To get started click here.

Money Management Counseling – A well-designed, realistic spending plan is the most important step to take in your journey to reach your financial goals. If you're not completely comfortable with your spending plan, or would like some guidance with this or other financial issues, consider a free and confidential money management counseling session with a BALANCE counselor. Appointments are available weekdays, evenings, and weekends. The average counseling session lasts approximately one hour, and there is no limit on the number of sessions you may have. Counselors are qualified to discuss general money management, credit and housing topics including goal setting, spending and savings plans, credit and credit reports, debt management, buying a first home, mortgage delinquency and foreclosure prevention. Each session is goal oriented and results in a written action plan clearly outlining the steps you and your counselor decide to take in order to establish personal financial control.

Identity Theft Solutions – Identity theft occurs when someone uses your personal information to commit fraud or other crimes. It may also involve computer fraud, mail fraud, wire fraud, and financial institution fraud. Fortunately, there are preventative measures you can take to substantially reduce the chance of identity theft occurring, as well as steps to recover from any damage if you are a victim. Click here for more information.

Housing Counseling – If you dream of owning your own home someday, it's never too early to start planning. When you will be able to purchase the home, where it be located, and what it will look like will depend largely on your qualifications for a mortgage. The down payment you accumulate and your debt to income ratio will affect the amount of money you can borrow. By reviewing your cash flow, savings plan and credit history and score, you will be prepared to make any necessary adjustments to qualify for the mortgage you need. An understanding of the mortgage loan process will also enable you to have all of your necessary information ready when the time comes. BALANCE counselors can help make your dream of homeownership a reality.

Debt Management – If you are having trouble keeping up with your bills, one of your options might be consolidation of your bill payments. A Debt Management Plan, made available to BALANCE clients through CCCS of San Francisco, allows you to make just one payment to all your creditors. Frequently, creditors will stop collection action, lower payments and, in some cases, reduce or eliminate interest and fees. Click here for more information.

Toolkits – Through our partnership with BALANCE Financial Fitness Program, our members have access to a number of great step by step financial educational tools on a variety of topics:

  • Credit Report & Score
  • Car Buying Decisions
  • Financial Security After a Divorce
  • Home Buying
  • Checking Account Management
  • Unemployment
  • Many More

BalanceTrack - Personal finance educational modules such as:

  • Money Management 
  • Checking Account Management
  • The Psychology of Spending 
  • Rebuilding After a Financial Crisis
  • Teens And Money
  • Many More

myBalance Budgeting Tool - Create a realistic budget and find tools and tips for tracking expenses and taking control of your personal finances.

Información en Español

Free Annual Credit Report

Request your free annual credit report. It's quick, easy and secure.