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Price a home loan, test what you can qualify for, and compare refinancing, points, prepayment and equity-borrowing options. Used…
Price installment credit outside of housing: car loans, dealer leases, unsecured personal loans and the true APR once fees are…
Repayment, forgiveness and refinancing math for federal and private education debt, plus projections for saving toward tuition…
Revolving credit math and structured payoff strategies: how long a balance takes to clear, what a card actually charges, and…
Forward planning for cash: hitting a savings target, sizing an emergency reserve, allocating a paycheck across a budget…
Convert between pay units, estimate take-home pay after payroll taxes, and compare offers across cities or self-employment…
The underlying time-value-of-money mechanics behind every consumer credit and savings product: solving for term, remaining…
Most used in personal finance, loans & credit
- Mortgage Payment CalculatorAmortised loan formulaThis calculator gives you the number that actually leaves your bank account each month — not just principal and interest, but…
- Mortgage Amortization Schedule CalculatorAmortised loan formula (constant payment, declining balance)An amortization schedule is the month-by-month ledger of a fixed-rate loan: what each payment buys in interest, what it retires…
- Home Affordability Calculator28/36 and FHA 31/43 debt-to-income guidelinesThis calculator works backwards from your paycheck to a purchase price. It applies the two debt-to-income ceilings underwriters…
- Mortgage Refinance Break-Even CalculatorAmortised loan comparison; Regulation Z closing-cost disclosureA refinance is a trade: you pay closing costs now to buy a cheaper payment later. This calculator sets your existing loan…
- Mortgage Extra Payment Payoff CalculatorAmortised loan formula with principal prepaymentExtra principal is the one lever on a fixed-rate mortgage that you control completely. This calculator re-amortises your loan…
- Rent vs Buy CalculatorNet-worth comparison with opportunity cost on invested cashRenting and buying are not two prices to compare — they are two different balance sheets. This calculator runs both forward…
- Auto Loan Payment CalculatorAmortised loan formula; Regulation Z finance-charge disclosureThe payment a dealer quotes is built from more than the sticker price. Sales tax, documentation and registration fees, and any…
- Car Affordability Calculator20/4/10 vehicle purchase guidelineThis calculator runs the car-buying arithmetic backwards. You give it your income and the share of it you are willing to…
- Personal Loan Payment CalculatorRegulation Z finance charge and APRA personal loan quote has two rates hiding in it. The note rate sets your payment; the origination fee, deducted from the money…
- Student Loan Payment Calculator34 CFR §685.208 Direct Loan repayment plansFederal student loans default to the standard ten-year plan, but three structures are available to most borrowers and they…
- 529 College Savings CalculatorInternal Revenue Code §529 qualified tuition programsSaving for college is two projections that have to meet. This calculator grows your 529 balance and contributions forward to…
- Credit Card Payoff CalculatorRevolving credit, average daily balance methodA credit card has no term. Unlike a mortgage or a car loan, nothing in the agreement says when the balance reaches zero — that…