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Loans & Mortgages

Payments, amortization, refinancing and what you can afford. 25 free tools, each one showing the math behind its answer and running entirely in your browser.

Work out what a loan costs before it is signed: the monthly payment, the total interest, the schedule behind both numbers, and what changes when the payment goes up.

Every page prints the formula it used, so a quoted rate, an origination fee or a shorter term can be argued with instead of taken on trust. The affordability pages state which income and debt figures they assume, because the input that moves that answer most is the one a lender will not use.

The category follows a loan through every stage it has: APR and closing costs before it starts, amortization and payoff while it runs, refinancing when the terms change, and affordability before the search for a lender begins. Every figure is arithmetic on the numbers you enter, with the formula that produced it printed beside it - no page here supplies a rate on your behalf, and none predicts approval.

Every calculator in this category runs entirely in your browser and is an estimate tool, not financial, tax or legal advice.

All 25 Loans & Mortgages tools

Airbnb Profit CalculatorWork out what a short-term rental earns after the platform fee, the lodging tax, cleaning and the fixed costs, and the occupancy it needs to break even.Estimate Airbnb profit →
Amortization Schedule CalculatorGenerate a full amortization schedule for any loan: every payment split into interest and principal, with yearly totals and a CSV export.Build an amortization schedule →
APR CalculatorTurn a loan offer into its APR: add origination fees and points to see the real annual percentage rate beside the advertised interest rate.Calculate APR →
Auto Loan CalculatorCalculate your car payment from the vehicle price, trade-in, sales tax, fees and APR. See total interest, the payoff date and the full schedule.Calculate auto loan payments →
Boat Loan CalculatorWork out a boat loan payment from the price, the down payment, the trade-in and your state sales tax, and see what the boat costs over 5, 10, 15 and 20 years.Calculate boat loan payments →
Closing Cost CalculatorEstimate the cash you bring to closing: lender fees, points, title, appraisal, recording and escrow prepaids, plus the total as a share of the price.Estimate closing costs →
Down Payment CalculatorFree down payment calculator: how much cash you need, what share of the price that is, how long the monthly saving takes, and the loan payment on the rest.Work out a down payment →
FHA Loan CalculatorFree FHA mortgage calculator with the 1.75% upfront mortgage insurance premium and annual MIP. See your monthly payment and full amortization schedule.Calculate an FHA loan payment →
HELOC CalculatorFree HELOC calculator for a home equity line of credit: estimate available credit, interest-only draw payments, a repayment schedule and total interest.Estimate available credit and HELOC payments →
Home Affordability CalculatorFind the maximum home price that fits your income, debts and down payment using the 28/36 debt-to-income rules, including tax, insurance and HOA.See what you can afford →
Lease vs Buy Car CalculatorPrice a lease and a purchase over the same months, including the money factor, the sales tax, the loan balance at the end and the resale value that decides it.Compare leasing vs buying →
Loan CalculatorWork out the monthly payment, total interest and full amortization schedule for any fixed-rate loan. Free, instant and computed in your browser.Calculate loan payments →
Mortgage CalculatorFree mortgage calculator with property tax, insurance, HOA and PMI. See your monthly payment, total interest and a full amortization schedule instantly.Calculate mortgage payments →
Mortgage Payoff CalculatorSee how much time and interest extra payments save on a mortgage or loan. Enter an extra monthly or annual amount and get the new payoff date instantly.Plan mortgage payoff →
Moving Cost CalculatorPrice the same move three ways: a full-service mover, a container you pack and a truck you drive, with the distance at which the cheapest option changes.Estimate moving costs →
Personal Loan CalculatorWork out the monthly payment on a personal loan, the true APR once origination fees are counted, and how much extra payments shorten the term.Calculate personal loan payments →
Property Tax CalculatorTurn a market value into a property tax bill through the assessment ratio, exemptions and the mill rate, and see what a move to another county would cost.Estimate property tax →
Realtor Commission CalculatorWork out the commission on each side of a sale, what the seller pays in concessions and closing costs, and the money that actually reaches them.Calculate realtor commission →
Refinance CalculatorCompare your current loan with a refinance offer: new payment, monthly saving, break-even point on closing costs and lifetime interest saved.Compare refinancing →
Rental Property CalculatorNet operating income, cap rate, cash-on-cash return, debt coverage, the one percent rule and depreciation, from the rent, the costs and the mortgage.Analyze rental property →
Reverse Mortgage CalculatorEstimate the initial HECM principal limit: appraised value and national limit choose the MCA, your PLF factor sets the amount. Rules follow HUD Handbook 4000.1.Estimate a HECM principal limit →
Student Loan CalculatorCalculate the monthly payment on a student loan, compare 10, 15, 20 and 25-year terms, and see what paying a little extra every month saves.Calculate student loan payments →
Student Loan Refinance CalculatorCompare your student loan with a refinance offer: monthly saving, lifetime interest, the break-even point on the fees and the true cost of a longer term.Compare student loan refinancing →
VA Loan CalculatorFree VA home loan calculator with the current funding fee. Enter the price, down payment and rate to see the monthly payment and full amortization schedule.Calculate VA loan payments →
Wedding Cost CalculatorBuild a wedding budget from your guest count, per-guest catering and bar costs and the quotes you have, with the cost of one more guest and five other counts.Estimate wedding costs →

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