Finance calculators

Use this calculator to compare a temporary 2-1 buydown with a purchase-price reduction that costs the seller the same amount. It shows the first two years of payment relief, the month when the price cut catches up, and which choice is ahead for your expected time in the home.

Enter the commercial loan terms to compare Actual/360, Actual/365, and 30/360 accrual. The result shows the fixed payment, maturity balloon, total interest, and the lower 365/360 note rate that matches an Actual/365 quote.

Enter the terms from your ARM note or disclosure to estimate the first reset payment and the fastest payment increase the contract appears to allow. The projection compares a steady-index scenario with a worst-case cap path.

Estimate the amount needed to close a daily simple-interest auto loan. The calculator adds per-diem interest through the expected posting date, unpaid interest, fees, and an optional comparison with a lender payoff quote.

Compare your current auto loan with a refinance offer to see when the savings recover the upfront costs. The result also shows whether a lower payment comes from a better rate or from staying in debt longer.

Compare five ways to pay the same mortgage and see the difference between savings from more frequent payments and savings from paying extra principal.

Enter your remaining boat-loan balance, rate, current payment, and any extra principal payments to estimate the payoff time and interest savings.

Enter a property’s potential gross income, operating expenses, debt service, and expected occupancy to see the occupancy level needed to break even.

Enter the current loan terms, maturity value, NOI, and likely refinance standards. The calculator estimates the balloon balance, the refinance amount supported by DSCR and LTV, and any cash needed at maturity.

Enter NOI, property value, and lender constraints to estimate the largest commercial mortgage supported by DSCR, LTV, and debt yield. The result identifies the limiting test and shows the equity, payment, and balloon balance implied by that loan amount.

Enter the cash you need to use and the lender’s terms to find the face amount that leaves that cash available. The estimate also shows the restricted deposit, interest cost, and annualized borrowing cost.

Enter the loan-funded project costs, initial advance, draw pattern, rate, and possible delay to size the interest reserve month by month. The result shows the reserve, the buffered commitment, and the schedule behind the number.

Enter the advance amount, cash advance APR, fees, and payoff timing to estimate the total cost of getting cash from a credit card. The result separates the issuer fee, interest, ATM fee, repayment amount, and comparison cost.

Enter a purchase date, statement closing day, and payment due day to estimate when that purchase may appear on a statement and when payment may be due.

Enter the balance still earning interest, the APR, and the number of calendar days until your payoff payment posts. The calculator estimates the residual charge, the daily cost, and the payment that would cover both the statement balance and that trailing interest.

Enter annual scheduled principal, interest, eligible fees, reserve months, and the current DSRA balance to estimate the target account balance. The calculator also shows any shortfall, possible excess, funding pace, and current coverage in months.

Enter annual property income, operating expenses, the requested loan, target debt yield, and property value. The calculator shows the current debt yield, sizes the target-yield loan, and compares the result with LTV.

Enter the property NOI and lender DSCR requirement to estimate the largest fully amortizing loan payment and loan amount the income can support.

Estimate the first payment, final payment, peak balance, and interest cost for an FHA-style graduated payment mortgage. The schedule shows when the balance rises before the higher later payments catch up.

Enter the loan amount, charged balance, rate, term, points, and lender fees to estimate the cash you receive, the interest cost, the payoff amount, and a fee-adjusted APR.

Estimate what happens when a HELOC leaves the draw period. The calculator projects remaining draws and principal payments, then converts the ending balance into a repayment payment, stressed payment, interest cost, and possible balloon.

Compare two mortgage offers when one gives you a lender credit and the other charges less interest. The calculator shows the payment tradeoff, two break-even views, and the net savings at the month you expect to sell, refinance, or pay off the loan.

Enter the loan amount, interest rate, and amortization period to estimate the annual debt service as a share of the original principal.

Enter the loan start date and contractual term to estimate the calendar date when the term ends. The calculator adds calendar months and handles shorter target months without using time-zone arithmetic.

Enter the loan terms and fee treatment to estimate the fee, cash received, payment, total borrowing cost, and APR after fees.

Enter the amount, rate, and term to see the monthly payment, the total interest over the life of the loan, and how the balance falls each year.

Compare a full payment pause, interest-only payments, or a reduced payment on a fixed-rate loan. The estimate shows the balance after the holiday and the cost of catching up through a higher payment, a longer term, or a lump sum.

Enter the balance, rate, payment, remaining term, and penalty clause to estimate the payoff amount and whether the avoided interest outweighs the charge.

Enter the bills your servicer expects to pay from escrow and the current account balance. The calculator projects the aggregate trial balance, shortage or surplus, recovery charge, and resulting mortgage payment.

Enter your loan amount, locked rate, possible replacement rate, and lender extension quote. The calculator estimates the extension fee, payment difference, break-even point, and net savings for the time you expect to keep the mortgage.

Enter your current mortgage balance, fixed rate, remaining term, and planned principal payment. The calculator estimates the lower principal-and-interest payment, recast fee payback, remaining interest, and lump sum needed to reach a target payment.

Enter the original loan terms and how many payments are complete to estimate the Rule of 78 rebate, payoff amount, and savings from paying now.