Tools/ Calculators


Simple Loan Calculator

Payment Breakdown Calculator - This calculator will help you to determine the principal and interest breakdown on any given payment number. Simply enter the loan's original terms (principal, interest rate, number of payments, and monthly payment amount) and click on the "Compute" button.

Missing Loan Term Calculator - If you know any 3 of a loan's 4 terms (principal, interest rate, payments remaining, and payment amount), this calculator will help you to find the missing term. For example, if you know the interest rate, the payments remaining, and the payment amount, this calculator will compute the current payoff amount of the loan. All results should be interpreted as close approximations (testing to date has shown results to be accurate within .002% of the actual).

Loan Comparison Calculator - Calculate the payment amount and the total interest of any fixed term loan.

Loan Calculator w/Amortization - This calculator will compute a loan's monthly payment amount based on the principal amount borrowed, the length of the loan and the annual interest rate.

Preferred Loan Type:
Property Value :
Property Type:
Credit Rating :

Loan Calculator w/Amortization (Variable Compounding Periods) - This calculator will compute a loan's monthly payment amount based on the principal amount borrowed, the length of the loan and the annual interest rate.

Loan Calculator w/Amortization (Variable Compounding Periods & selectable loan start date) - This calculator will compute a loan's monthly payment amount based on the principal amount borrowed, the length of the loan and the annual interest rate.

Debt Consolidation Calculator - When the typical debt-consolidation company advertises that they can "save you money," what they are most often referring to is simply a reduction in your total monthly debt payments -- not a savings in the cost of paying off your debt (interest charges). Sure, by consolidating your payments into a single loan, you might be paying one monthly payment that is smaller than the sum of your current monthly payments, but if they stretch your loan out for a longer period of time you could actually end up paying more interest by consolidating. This calculator will help you to determine whether or not consolidating will actually reduce the cost of retiring your debts. 

Present Value Calculators

Savings Goal Calculator - Use this calculator to figure how much your current savings will grow and how much more you'll need to save each month in order to achieve a given savings goal within a given number of years.

Lump Sum Savings Calculator - Use this calculator to compute how much you would need to invest now in order to have your investment grow to a specific amount within a specified time-frame. For example, if you want to have a certain amount set aside to pay for a child's college tuition, this calculator will tell you how much you would have to deposit today in order to accumulate the necessary funds by the time your child reaches 18 years of age. This is often referred to as "Present Value" analysis.

Retirement Savings Calculator - Use this calculator to compute how much you would need to have invested in order to withdraw a specified amount each year over the course of a specified period of time. For example, if you want to be able to withdraw $500 during each month of your expected 20-year retirement, this calculator will tell you that if you expect to earn a 10% interest rate you will need to have $51,812.30 saved up by the time you retire. This is often referred to as "Present Value of an Annuity" analysis.

College Funding Calculator - This calculator will help you to determine how much money you need to invest on a monthly basis now, in order to be able to pay for your child's college education by the time they are ready to start college. The calculator allows you to choose between In-State and Out-of-State, between Resident and Commuter and between Public or Private -- and adjusts the estimated costs according to those selections. Plus, the calculator even adjusts the future cost of attending college based on your own estimated rate of inflation.

Mortgage Calculators

Mortgage Qualification Calculator V1

Mortgage Qualification Calculator V2

Bi-Weekly Mortgage Calculator - This calculator will show you how much you will save if you make 1/2 of your mortgage payment every two weeks instead of making a full mortgage payment once a month. In effect, you will be making one extra mortgage payment per year -- without hardly noticing the additional cash outflow. But, as you're about to discover, you will certainly notice the "increased" cash flow that will occur when you pay your mortgage off way ahead of schedule!

Mortgage Refinancing Calculator - This JavaScript calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.

Mortgage Payoff Goal Calculator - This calculator will show you the additional monthly payment you will need to make on your current mortgage in order to pay if off within a specified number of years. It will also show you how much interest you will save if you make the calculated additional payment each month, from now until your mortgage is paid off.