We offer a wide array of online mortgage and personal finance calculation tools. The left navigation groups calculators by category, while a more extensive explanation of each calculator is below. Calculators featured below contain amortization tables, allow home buyers to generate a PDF report about their loan, and make it easy to email these reports.Jump to a section:
This tool allows you to calculate your monthly home loan payments, using various loan terms, interest rates, and loan amounts. It includes advanced features like amortization tables and the ability to calculate a loan including property taxes, homeowners insurance & property mortgage insurance.
Are you still renting and considering buying your home? Use this free online calculator to compare the costs and benefits of each.
Want to see how fast you will pay off your home loan? Use this free calculator to figure out what your remaining principal balance & home equity will be after paying on your loan for a specific number of months or years.
This tool uses your current monthly rent payment to estimate how much loan you can afford while spending the same amount each month.
Quickly estimate the down payment needed to meet a monthly budget.
Have more money to put down on your home loan? Insert the amount you would like to pay each month & this calculator will figure how many years you save on your home loan given that additional payment versus a loan set to amortize over 30-years.
Want to build your home equity quicker? Use this free calculator to see how even small extra payments will save you years of payments and thousands of Dollars of additional interest cost.
This calculator shows how much you pay each month & each year — for each $1,000 of mortgage financing.
Advertised vs actual home loan interest costs may vary singificantly based on points, origination fees & closing costs. Use this tool to estimate your real mortgage APR (Annual Percentage Rate).
Unsure how much you can afford to spend on a house? Use this calculator to figure home loan affordability from the lender's point of view.
One of the advantages of real estate investment is that some homeowners may qualify to deduct mortgage interest payments from their income when filing their taxes. This calculator estimates your tax savings after a house purchase. Financial analysis is provided for the first year & subsequent years.
Is your current interest rate on your house too high? Use this free tool to view today's best home loan refi rates from top lenders & estimate your savings at a lower APR (Annual Percentage Rate).
Discount points are an upfront fee which homeowners can pay to access lower mortgage rates. This calculator helps you discover if you should consider paying points on your home loan & calculate how quickly the points will pay for themselves.
Do you currently carry high interest revolving credit on credit cards, cars & other personal loans? You may be able to leverage a home equity line of credit (HELOC) to lower your monthly debt payments.
See how much equity you qualify to borrow against your home.
Are you wondering if you qualify for a home loan? This pre qualification calculator estimates the minimum required income for a house & will let you know how much housing you qualify for a given income level. Please note that federal governmental loans from the USDA, the VA & the FHA have their own loan qualification requirements. It should also be noted that this calculator provides a rough estimate & lenders may charge varying rates or decide not to lend depending on variety of factors, including: down payment, house appraisal value, current market conditions, your current credit score & credit history, your outstanding debt obligations & other monthly debt payments.
This estimator and guide helps home buyers estimate the total closing costs on a home loan.
This tool automatically calculates the basic monthly principal & interest payment for 5, 10, 15, 20, 25, 30 & interest-only loans. Using those as a baseline, a person can then enter a minimum & maximum monthly payment to see how long those loans will take to amortize & the total interest cost of those loans. We also offer the following: 10-year, 15-year & 20-year mortgage calculators which include advanced features like PMI, HOA, property taxes & homeowner's insurance.
Is property mortgage insurance (PMI) too expensive? Some home owners refinace a second low rate mortgage from another lender to bypass PMI payment requirements. Use this calculator to see if this option would save you money on your home loan.
Use this tool to quickly see how much money you can borrow against your built up home equity.
This tool helps buyers calculate current interest-only payments, but most interest-only loans are adjustable rate mortgages (ARMs). When the housing market is hot many people chase it, buying near the peak with interest-only loans. If home prices continue to climb, one can refinance at a lower rate. However if rates reset higher, so too will payments — causing home prices to decline & many marginal buyers to lose their equity & perhaps their homes.
One problem with interest-only loans is that unless home prices rise the homeowner does not build any equity in their house, which puts them in a precarious position when mortgage rates rise. One way to build a bit of a buffer from market fluctuations is by adding extra payments applied toward your principal.
Are you looking at a couple different loan quotes? Use this free mortgage calculator to get a side-by-side view of multiple loan quotes to select the best offer. For each quote you can select different rates, terms, points, origination fees & closing costs. 15-year loans build home equity faster, whereas 30-year mortgages offer lower monthly payments.
In the early years of a longterm loan, most of the payment is applied toward interest. Home buyers can shave years off their loan by paying bi-weekly & making extra payments. Bi-weekly payments help you pay off principal in an accelerated fashion — before interest has a chance to compound on it. In making biweekly payments, those 26 annual payments effectively create an additional (13th) month of regular payments in each calendar year.
Provides estimates of monthly payments for loans which periodically reset via adjustable rates. We also offer automated calculators pre-populated for borrowers exploring 3/1, 5/1, 7/1, 10/1, Pay-Option & Interest-Only ARMs.
Use this to compare fixed, adjustable and interest-only options side by side.
This tool can help you see if you qualify for an FHA backed loan. We also offer a FHA closing cost calculator.
Quickly estimate your monthly VA loan payments. We also offer a VA funding fee & closing cost calculator.
Considering buying vacant land? This tool will help you estimate monthly payments.
Calculate monthly payments and loan amortization on a balloon mortgage.
Calculate monthly payments and loan amortization for loans above the conforming limit.
Estimate monthly payments on high-end luxury homes.
Estimate what your real estate commissions will be using this free tool.
Estimate purchase cost & annual lease or loan payment cost per square foot.
Calculate your potential deferred tax benefits. We also offer a 1031 deadline calculator.
This tool calculates amortization tables and balloon mortgages for commercial properties.
Figure out the profitability of residential properties.
Calculator for United Kingdom homebuyers which shows variable & interest-only payments side-by-side.
This calculator was designed specifically for conventional Canadian mortgages, with semi-annual interest compounding. The results also show the minimum required income for the home buyer. In addition we offer the following Canada-focused calculators: loan qualifier, loan comparison, basic mortgage & interest-only loans. We also offer some French language calculators including a loan qualifier & a refi calculator.
Home loan tool for Australian people. We also offer an interest-only version.
Home loan estimator in the Spanish language.
How much money could you save? Lock in low rates today!
Are you considering buying a new or used car? Use this free calculator to estimate your monthly automotive payments. It includes advice for trade-ins, financing & rebate programs.
This tools helps you figure out which vehicles are within your budget.
Use this tool to figure out bi-weekly auto loan payments to see how much you can save in interest & how switching to bi-weekly payments can pay off your loan early & prevent you from paying extra interest.
Buying a pick-up truck? You will like our truck buying guide.
Should you take a low rate offer or a manufacturer rebate?
Use this to look past the sticker price and evaluate the total cost of ownership of a vehicle.
This tool will figure your lease payments and other estimated costs of leasing.
Unsure if leasing makes sense? Compare it side by side with the cost of buying.
Buying a bike? You will like our motorcycle buying guide.
Quickly estimate your monthly RV payments.
Buying a boat or yacht? Use this guide to estimate your monthly payments.
Have bad credit? Use this guide and tool to estimate your monthly vehicle payments.
Have a high interest car loan? Consider refinancing to save money.
Figure out how much you spend on gas and how many miles you get per gallon.
Are you considering taking out a loan for a purpose other than buying a car or home? Use this free calculator to estimate the monthly payments and the total interest costs over the life of the loan.
Save interest and pay your loan off quicker by making bi-weekly payments.
Trying to track how quickly you build home equity or pay down other loans? This tool allows you to easily create & print out an amortization chart.
This will help you figure the current balance of a loan if irregular payments have been made.
You can figure out your debt to income ratio using this tool.
This tool shows you how much time and money you could save by paying off your debts using the "rollover" method.
Are you trying to pay off debt? This helpful calculator helps you create a budget and reach your goals.
Compare the returns you will get by paying off your debt versus investing elsewhere.
Determine how much you can save by consolidating your debts into a single monthly payment.
Tool to help students accelerate school-related & other debt repayment.
This tool helps people with bad credit figure their borrowing costs & financing options.
Use this tool to figure out which card offer is best for your personal situation.
Are you making minimum payments on your credit cards? This free online calculator will show you how long it will take to pay off your current debt & the amount of interest you will accrue over that period while only making minimum payments. The interest costs will only spiral further if you keep spending on the card while making the minimum payments, or if you miss a payment and get hit with late fees and other penalties. Many credit cards not only charge interest on their fees, but also charge higher rates of interest for anyone who misses a payment. Repeated missed payments can lead to near usurious interest rates.
If you have significant credit card debt & pay extra each month, you can really eat into principal and save thousands of Dollars in interest costs. If the debts are reasonable, it may also make sense to pay off credit cards & other high interest loans using a home equity loan. If the debt load is too high you may want to talk to a credit counselor to seek alternative options.
Want to pay off your credit cards early? Use this free credit card repayment calculator to find out how long it will take you to pay off your debt with current payments, and how much you'd be required to pay monthly to eliminate credit card debt sooner.
This tool makes it easy to see the true cost of various loan products side by side.
Explore how long it will take to pay off a revolving credit line.
When you think about saving money the first thing that comes to mind is squeezing a few dollars out of your paycheck to deposit into an account. That is certainly a good way to save, but there are many more subtle ways to save that add up just as quickly. This guide helps you reach your goals.
Inflation and taxes both have a significant impact on compounded savings over the course of many years or decades. Use this tool to see how much interest you've earned, and how much of that value was ultimately consumed by interest.
The above savings calculator compounds interest annually. Use this utility to see how changing the compounding frequency impacts returns.
Manage your cash flow by planning your budget.
Take a snapshot of your current financial situation by comparing your assets and liabilities.
Estimate your interest earnings with a high-interest savings money market account.
Purchasing a certificate of deposit, or CD, is a safe way to invest your money and to get a guaranteed return.
Bonds are a common way to build a fixed income stream with a guaranteed return.
Learn how to create a well balanced investment portfolio.
Estimate the annualized rate of return on your investment portfolio.
This will help you plan how to save for college.
Similar to the above tool, but also has features which make it easy for parents to plan on saving for multiple children who plan to attend college.
Use this to convert your earnings from one periodicity to another.
Use this to figure your after-tax take home pay.
Use this to figure what it costs you to go to work and what you are making after those expenses.
Calculate your expected income throughout your entire working career.
See how long it will take you to save a million Dollars.
Are your investments keeping up with inflation?
A quick & easy-to-use tool which estimates a person's return given their current withholding.
Figure out which tax bracket your income places you in.
A simplified tax calculator for people who do not have a complex array of business arangements & income sources
A more feature-rich version of the above tool.
Figure your payroll deductions and estimate your take home pay.
Quickly estimate self-employment taxes.
Basic calculation tool which can be used to solve common math & financial problems.
A more advanced version of the above calculator which includes many additional business & finace oriented functions.
This guide helps small business survey their options and evaluate the cost of various funding sources.
Figure out key financial ratios associated with operating businesses.
Figure how much you need to keep in stock to never run out of inventory.
Discounted cash flow estimator which figures the value of an operating business.
This calculator offers inflation adjusted and unadjusted retirement savings plans based on an expected rate of return, a specified payout period and an estimated rate of inflation.
Free tool which help you to estimate the amount of money you will need to have saved by retirement age in order to meet your desired retirement income goals.
Use this tool to estimate how much coverage you will need to protect your loved ones.
A Roth IRA allows you to postpone some tax obligations while your money compounds as you save for retirement.
If you have been saving in a 401K, provided by your employer but have either lost your job or moved on for a better opportunity, then you have an important decision to make. Should you leave your money where it is or roll (transfer) it to another account? And how do you do it without penalties or taxes?
See how much money you can save by deferring taxes.
Augment your retirement income by establishing a line of credit based on the equity in your home that a lender pays to you.
Figure the cashflow you can derive from a fixed annuity.
Figure the cashflow you can derive from a variable annuity.
Understand the current value of a specific sum of money in the future.
See how much more you need to set aside each month to reach your retirement goals.
Are you a Realtor, real estate agent, mortgage broker, or real estate professional?
Help your customers buy a home today by installing this free mortgage calculator on your website.