Financial Planning Calculators.
Calculators to Help You Along Your Financial Journey

Free Online Financial Calculators

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.

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Real Estate Financing Calculators

Calculating Home Payments and Saving Up a Down Payment.

Mortgage Payment Calculator

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.

Rent vs Buy Calculator

In some areas renting is a far better deal while in other areas it makes much more sense to buy a home. Plug your numbers into this calculator and we'll tell you which option we thinks makes more economic sense given your local data and home price appreciation & rental inflation assumptions.

Remaining Home Loan Balance Calculator

See how much you owe on your loan balance right now, or calculate where at might be at some point in the future like at the end of next year.

How Much Home Can I Afford?

This tool uses your current monthly rent payment to estimate how much loan you can afford while spending the same amount each month. We also offer a loan qualifier tool which highlights maximum loan affordability based on the buyer's income & a tool to compare the financial benefits of renting or buying.

Down Payment

Quickly estimate the down payment needed to meet a monthly budget, or use our down payment savings goal planner to figure out how long it will take you to reach a desired down payment.

Loan Payoff Date Estimator

Estimate when your loan will be paid off given your current payments.

Extra Payment Calculator

Use this calculator to see how extra payments are likely to impact your amortization schedule.

Advanced Extra Payment Calculator

This calculator is similar to the above calculator except it allows you to add a broad range of extra payment types. For example, you could combine an extra weekly payment of $25 for 3 years and then switch over to an extra monthly payment of $150 for 2 years. Or you could do both at the same time along with various one-time payments. If your extra payments will be continuous until the loan is paid off & you intend to make them monthly then you can use this payoff calculator which includes a graphical layout.

Monthly Interest + Principal Cost Per Thousand

See how much you are paying to borrow per month, per year, or over the duration of the loan term.

Calculate Real APR

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) inclusive of these other mortgage expenses.

Mortgage Affordability

This calculator estimates how much home you can likely afford given your current income and debt payments.

Interest Tax Deduction Estimator

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 an initial period selected by the user & subsequent years throughout the duration of the loan term.

Mortgage Refinancing Calculator

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 Savings Estimator

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.. We also offer a discount points calculator which compares the impact of rolling the cost of points into the loan versus paying points upfront.

Home Equity Line of Credit Calculator

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. Lenders typically allow borrowers to receive up to 80% of their home equity, though the precise LTV limit will depende on broader market conditions, your credit score and how valuable your customer relationship is to the bank. We also offer HELOC qualification & repayment calculators along with a calculator for using HELOCs for debt consolidation purposes.

Credit Line Qualification

See how much equity you qualify to borrow against your home.

Mortgage Qualification

Use industry-standard debt to income ratios to see if you are likely to qualify for a particular loan given your current monthly income and outstanding debt obligations.

Closing Costs

This estimator and guide helps home buyers estimate the total closing costs on a home loan.

Affordable Payment Range

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. While uncommon loan terms in the United States, some of our visitors have also asked us to offer 25-year, 40-year, 50-year & 100-year calculators. Loans over 30 years typically are not a great choice for most home buyers.

Second Mortgage Calculator

Use this calculator if you are unsure if you should pay PMI on a conventional mortgage with less than 20% down or if you should use a piggyback second mortgage to augment your downpayment and bypass PMI requirements.

Cash Out Refi

Use this tool to quickly see how much money you can borrow against your built up home equity.


Calculate the ratio of your mortgage liens to the appraised value of your property and see how much you qualify to borrow via a cash-out refinance or a home equity loan.

Home Equity Loans

Consolidate debts & leverage equity to pay for major home improvements or other big one-time expenses, like vehicles.

Interest-Only Calculator

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.

Interest-Only Loan With Additional Payments

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.

Mortage Rates Comparison

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.

Bi-Weekly Mortgage 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.

Adjustable Rates

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.

Adjustable vs Fixed

Use this to compare fixed, adjustable and interest-only options side by side.

FHA Qualifier

This tool can help you see if you qualify for an FHA backed loan. We also offer a FHA closing cost calculator & a guide to FHA-backed home improvement loans.

VA Loan

Quickly estimate your monthly VA loan payments. We also offer a VA funding fee & closing cost calculator.


Quickly figure monthly USDA loan payments.

Land Loans

Considering buying vacant land? This tool will help you estimate monthly payments. We also offer a construction loan estimator for construction projects.


Calculate monthly payments and loan amortization on a balloon mortgage.


Calculate monthly payments and loan amortization for loans above the conforming limit.

Super Jumbo

Estimate monthly payments on high-end luxury homes.


Estimate what your real estate commissions will be using this free tool.

Cost Per Square Foot

Estimate purchase cost & annual lease or loan payment cost per square foot.

1031 Exchange

Calculate your potential deferred tax benefits. We also offer a 1031 deadline calculator.

Commercial Property Financing

This tool calculates amortization tables and balloon mortgages for commercial properties.

Residential Income Analysis

Figure out the profitability of residential properties.

Net Seller Proceeds

Determine how much capital you will have remaining after paying seller closing costs.

UK Mortgage Calculator

Calculator for United Kingdom homebuyers which shows variable & interest-only payments side-by-side.

Canada Mortgage Calculator

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.

Australia Mortgage Calculator

Home loan tool for Australian people. We also offer an interest-only version.

Spanish Mortgage Calculator

Home loan estimator in the Spanish language.

Current San Diego Mortgage Rates

How much money could you save? Lock in low rates today!

The following table shows 30-year fixed-rate mortgage rates in San Diego. The rate table also has options which enable you to change the loan amount, location, lending term, switch from purchase to refinancing, or select among adjustable-rate options.

Enthusiastic Car Dealership.

Automotive Calculators

Auto Loans

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.

Car Affordability

This tools helps you figure out which vehicles are within your budget.

Bi-Weekly Car Payments

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.

Rebates vs Low-interest Offers

Should you take a low rate offer or a manufacturer rebate?

Vehicle Operating Costs

Use this to look past the sticker price and evaluate the total cost of ownership of a vehicle.

Auto Lease

This tool will figure your lease payments and other estimated costs of leasing.

Lease or Buy

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.

Recreational Vehicles

Quickly estimate your monthly RV payments.

Boat Financing

Buying a boat or yacht? Use this guide to estimate your monthly payments.

Bad Credit

Have bad credit? Use this guide and tool to estimate your monthly vehicle payments.

Auto Refinance

Have a high interest car loan? Consider refinancing to save money.

Fuel Economy

Figure out how much you spend on gas and how many miles you get per gallon.

Hand Holding Three Credit Cards.

Credit Cards

Compare Credit Cards

Use this tool to figure out which card offer is best for your personal situation.

Minimum Credit Card Payments

This calculator shows the high cost of minimum credit card payments and how much you can save by making larger fixed monthly payments until the card is paid off.

Credit Card Payoff Goals

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.

Man Breaking Away From His Debts.

Loan & Debt Repayment Goal Calculators

Basic Loan Calculator

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.

Bi-Weekly Payments

Save interest and pay your loan off quicker by making bi-weekly payments.

Amortization Schedule

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.

Loan Balance

This will help you figure the current balance of a loan if irregular payments have been made.

Loan Breakdown

See what percent of a loan payment goes to principal versus interest.

Monthly Interest Expense

See how much you spend each month on interest & figure your blended rate of interest across your debts.

Interest-only Payments

Track the interest expense of an interest-only loan throughout various time periods.

Debt Ratio

You can figure out your debt to income ratio using this tool.

Debt Payoff

This tool shows you how much time and money you could save by paying off your debts using the "rollover" method.

Debt Goals

Are you trying to pay off debt? This helpful calculator helps you create a budget and reach your goals.

Debt Investment

Compare the returns you will get by paying off your debt versus investing elsewhere.

Debt Consolidation

Determine how much you can save by consolidating your debts into a single monthly payment.

Debt Snowball

Leverage the debt snowball method to pay down debt faster.

Student Loan Consolidation

Tool to help students accelerate school-related & other debt repayment.

Poor Credit

This tool helps people with bad credit figure their borrowing costs & financing options.

Compare Financing Options

This tool makes it easy to see the true cost of various loan products side by side.

Line of Credit Payoff

Explore how long it will take to pay off a revolving credit line.

Saving Money With a Piggy Bank.

Saving Money

Basic Savings Calculator

A quick & easy-to-use calculator to estimate nominal savings & interest earned.

Savings Goals

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.

Required Monthly Savings

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.

Savings After Inflation & Income Tax

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.

Compound Savings

The above savings calculator compounds interest annually. Use this utility to see how changing the compounding frequency impacts the returns on regulary monthly deposits. If deposits are made at a frequency other than monthly, please check out our compound interest calculator which allows you to set various deposit frequencies. We also offer a calculator which compares the returns from compounding vs regular interest withdrawals.


Manage your cash flow by planning your budget.

Net Worth

Take a snapshot of your current financial situation by comparing your assets and liabilities.

Stock Options

Estimate the future value of your stock options at various company valuation growth rates. We also provide an annual stock option grants calculator to estimate the value of a series of options awarded annually.

Money Market Accounts

Estimate your interest earnings with a high-interest savings money market account.

Certificate of Deposit

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.

Portfolio Asset Allocation

Learn how to create a well balanced investment portfolio.

Portfolio RoR

Estimate the annualized rate of return on your investment portfolio.

College Savings

This will help you plan how to save for college.

College Savings Planner

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.

Salary Conversion

Use this to convert your earnings from one periodicity to another.

2018 Take Home Pay

Use this to figure your after-tax take home pay. We also offer 2018 & 2017 net paycheck calculators.

Real Salary

Use this to figure what it costs you to go to work and what you are making after those expenses.

Opportunity Cost

See how small spending changes can make a big difference.

Lifetime Earnings

Calculate your expected income throughout your entire working career.


See how long it will take you to save a million Dollars.

Future Value

Quickly calculate the future value of an investment before & after accounting for taxes and inflation.


Are your investments keeping up with inflation?

Man Burdened by Taxes.


2020 Simple Federal Tax Refund Calculator

A quick & easy-to-use tool which estimates a person's return given their current withholding. We also provide similar calculators for tax years 2017, 2018 & 2019.

2020 Maginal Tax Rate

Figure out which tax bracket your income places you in. You can also compare against last year to see where you would have placed in 2018 & 2019.

2020 1040 EZ

A simplified tax calculator for people who do not have a complex array of business arangements & income sources. We also provide similar calculators for tax years 2017, 2018 & 2019.

2020 1040 Tax Calculator

A more feature-rich version of the above tool. We also provide similar calculators for tax years 2017, 2018 & 2019.

2020 Payroll Deduction Comparison

Figure your payroll deductions and estimate your take home pay with various options selected. We also provide similar calculators for tax years 2017, 2018 & 2019.

You can also estimate the required gross income to achieve a specified net paycheck.

Payroll calculators are also available for employees enrolled in 457 programs & those using flexible spending accounts.

2020 Self-employment Tax

Quickly estimate self-employment taxes. We also offer a calculator covering the 2018 and 2019 tax years.

2020 Student Loan Tax Deduction

Estimate the tax deduction associated with your student loans while quickly figuring your tax bracket along with your average & marginal tax rates. We also offer a calculator covering the 2018 and 2019 tax years.

Shaking on a Successful Business Transaction.


Math Calculator

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.

Small Business Financing

This guide helps small business survey their options and evaluate the cost of various funding sources.

Financial Ratios

Figure out key financial ratios associated with operating businesses.


Figure how much you need to keep in stock to never run out of inventory & estimate your profit margins on various products.

Business Valulation

Discounted cash flow estimator which figures the value of an operating business.

Legal Judgment

Figure out the total amount of a court ordered award with interest, along with the associated monthly payments due if payments are made over time.

Happy Elderly Couple Jogging.

Retirement Planning

Retirement Planning

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.

Retirement Savings

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.

Required Minimum Distribution

See if you are required to take a distribution from your retirement savings & what amount is required if so.

Early Retirement Withdrawal

See how much it will cost if you decide to withdraw money from a qualified retirement plan.

How Long Will Retirement Last?

Guide helps retirees see how long they can anticipate their retirement savings to last given their current rate of withdrawals and additions.

Life Insurance Needs

Use this tool to estimate how much coverage you will need to protect your loved ones.

Roth IRA Conversion

A Roth IRA allows you to postpone some tax obligations while your money compounds as you save for retirement.

401K to IRA

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?

Tax Deferred Investments

See how much money you can save by deferring taxes. We also provide a tool to see the tax-equivalent yield on REITs.

Social Security Benefits Estimator

Estimate your Social Security income at various retirement ages.

Reverse Mortgages

Augment your retirement income by establishing a line of credit based on the equity in your home that a lender pays to you.

Fixed Annuities

Figure the cashflow you can derive from a fixed annuity.

Variable Annuities

Figure the cashflow you can derive from a variable annuity.

Present Value

Understand the current value of a specific sum of money in the future.

Retirement Shortfall Calculator

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.


San Diego Home Buyers May Qualify For Low Downpayment Home Loan Options

Explore conventional mortgages, FHA loans, USDA loans, and VA loans to find out which option is right for you.

Find Out What Loan You Qualify For & Get Pre-Approved Today

Check your options with a trusted San Diego lender.

Answer a few questions below and connect with a lender who can help you save today!