Finance Calculators
Mortgage, loan, and investment calculators to help you decide before you commit.
APR Calculator — True Loan Cost, Fees Included
A $20,000 loan with $1,000 in fees at $430/month for 60 months has a 12.8% APR — the true cost above the 12% quoted rate.
Biweekly Mortgage Payment Calculator: Interest & Time Saved
On a $300,000, 30-year mortgage at 6.5%, biweekly payments of $948 save about $88,000 in interest and cut the payoff from 30 years to about 24.
Compound Interest Calculator — Growth Over Time
At 7% annual return, $10,000 compounds to about $20,096 in 10 years — and over 30 years it grows to roughly $76,123, with $66,123 of it pure interest. Add monthly contributions and growth accelerates dramatically. Enter your numbers to see your projection.
Debt-to-Income Ratio Calculator (DTI)
Divide your total monthly debt payments by your gross monthly income and multiply by 100. $1,500 of monthly debts on $6,000 gross income is a 25% DTI — comfortably below the 36% line most lenders consider healthy, and far below the 43% mortgage limit.
Mortgage Extra Payment Calculator — How Much You Save
An extra $200 per month on a $300,000, 30-year mortgage at 6.5% saves about $103,000 in interest and pays the loan off roughly 7 years early. Enter your loan details above to see your exact numbers.