Borrowing Calculators

Monthly payment, full amortization schedule, the true lifetime cost of interest, and how extra payments shorten your loan.

Payment, total interest, and payoff timeline for any fixed-rate loan, with an amortization breakdown.

The monthly payment on any fixed-rate loan — plus total interest, the true APR once fees are counted, and a full amortization schedule with extra-payment savings.

Monthly payment, total cost, and effective APR on a business loan — with origination fees folded in and a full amortization schedule so you can compare offers honestly.

See how long a fixed payment takes to clear your balance — and how the shrinking minimum-payment trap costs you years and thousands in interest.

Compare the snowball and avalanche strategies across all your debts — payoff order, total interest, and which one frees you sooner.

Whether refinancing pays off: the new payment, the break-even point on closing costs, and the term-reset interest trap.

How much house you can afford using real front-end and back-end DTI ratios — and which one is actually limiting your budget.

A true opportunity-cost comparison: invested down payment, appreciation, full ownership costs, and the year buying pulls ahead.

The real out-the-door cost — sales tax with the trade-in credit, fees, and the negative-equity timeline showing when you stop being underwater.

Whether a 0% balance transfer pays off once the fee and the go-to APR are counted — plus the payment to clear it before the promo ends.

Your front-end and back-end DTI, the lender qualification band you fall in, and how much debt headroom you have before 36% and 43%.

Pay off an existing loan faster — compare extra, biweekly, and lump-sum strategies, or solve the payment to be debt-free by a target date.

Your available credit from home equity, and the payment shock when the interest-only draw period flips to amortizing repayment.

Standard repayment vs an income-driven plan based on your discretionary income — the lower payment and the long-term tradeoff.

A full month-by-month amortization schedule with the principal-vs-interest crossover, extra payments, and CSV export.

How much car you can responsibly afford using the 20/4/10 rule — counting insurance and fuel, not just the loan payment.

Payment and true cost of an SBA business loan, including the SBA guarantee fee and the long terms SBA financing allows.

Whether buying discount points pays off — the upfront cost, the lower payment, and the break-even month you must pass to win.

Your monthly PMI and the full cancellation timeline — the 80% point you can request it gone and the 78% automatic cutoff.

FHA payment with upfront and annual MIP — including the catch that with under 10% down, MIP never cancels for the life of the loan.

An itemized estimate of buyer closing costs — and the total cash to close you actually need to bring to the table.

Whether buying out your car lease is smart — the all-in buyout cost vs the car’s market value, and the equity it captures.

Turns a small-sounding fee into its true APR (often 400%+), models the rollover trap, and compares the cost to safer credit.

Qualify a rental on its cash flow: the DSCR from rent and expenses, whether it clears the lender target, and the max loan it supports.

The true cost of a credit-card cash advance — the fee, the higher APR, and the no-grace-period interest that starts on day one.

Convert a car lease money factor to its equivalent APR (and back) — multiply by 2400 — so you can compare lease financing against a loan on equal terms.