Home Financing

Select your financial calculator below to begin.

One or more of the fields is not filled out.

The date you have entered is invalid!

The amount of time is too large to compute!

The amount is too large to compute!

Percentages cannot exceed 100

How long you plan to keep the property must be less than or equal to the new loan term

Your down payment exceeds the home price

Refinancing Calculator

Refinancing at a lower rate has the potential to save you thousands of dollars in the long run. However, for refinancing to be worth it, the savings in interest must be greater than the fees (i.e. points, closing costs) involved with the refinancing process. The refinancing calculator will take these fees into consideration and tell you how much you could save (or lose) should you decide to refinance at a lower rate.

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Existing Loan

Existing Loan Original Loan Amount
Existing Loan Original Mortgage Length
Existing Loan Date of Loan
Existing Loan Current Interest Rate

New Loan

Existing Loan Amount you wish to cash out upon refinance
Existing Loan New Interest Rate
Existing Loan Points
Existing Loan Fees and Closing Costs
Existing Loan New loan term

Other Information

Existing Loan How long will you keep this property

Fixed Rate Mortgage Calculator

Given the information on your fixed rate mortgage, the fixed rate mortgage calculator will determine how much your mortgage payments will be.

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Loan Information

Fixed Rate Mortgage Home Price
Fixed Rate Mortgage Down Payment
Fixed Rate Mortgage Loan Term
Fixed Rate Mortgage Interest Rate
Fixed Rate Mortgage Payment Frequency

Adjustable Rate Mortgage Payments Calculator

Calculates the payments and interest on your adjustable rate mortgage.

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Loan Information

Adjustable Rate Mortgage Home Price
Adjustable Rate Mortgage Loan Down Payment
Adjustable Rate Mortgage Loan Term
Adjustable Rate Mortgage Beginning Interest Rate
Adjustable Rate Mortgage Rate Cap (Life Rate Cap)
Adjustable Rate Mortgage Maximum First Interval Rate Increase
Adjustable Rate Mortgage Maximum Subsequent Interval Rate Increase
Adjustable Rate Mortgage Months Before First Rate Increase
Adjustable Rate Mortgage Months Between Subsequent Rate Increases

Rent or Buy Decision Calculator

Buying a home is a huge life decision. The rent or buy calculator compares the cost of renting or buying given a certain time period

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Rent Information


Rent Information Monthly Rent
Rent Information Monthly Renter's Insurance
Rent Information How Much Will Rent Increase Each Year?

Purchase Information


Purchase Information Home Price
Purchase Information Down Payment
Purchase Information Interest Rate
Purchase Information Loan Term
Purchase Information Points
Purchase Information Closing Cost for Buying

Home Information


Purchase Information Annual Property Taxes
Purchase Information Average Monthly Maintenance
Purchase Information Monthly Homeowner's Insurance
Purchase Information How Much Will Your Home Appreciate each Year?
Purchase Information Other Monthly Costs (Association dues, etc...)

Personal Information


Purchase Information State and Federal Tax Rate
Purchase Information Investment Rate of Return (or Bank Account Savings Rate)
Purchase Information How Long Will You Stay at this Property?

Sale Information


Purchase Information Real Esatate Agent Commission
Purchase Information Closing Cost for Selling

Mortgage Comparison Calculator

The mortgage comparison calculator gives you financial statistics on different types of loans.

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Loan Information

Mortgage Comparison Loan ID 1
Mortgage Comparison Loan ID 2
Mortgage Comparison Loan ID 3
Mortgage Comparison Down Payment 1
Mortgage Comparison Down Payment 2
Mortgage Comparison Down Payment 3
Mortgage Comparison Loan Term 1
Mortgage Comparison Loan Term 2
Mortgage Comparison Loan Term 3
Mortgage Comparison Interest Rate 1
Mortgage Comparison Interest Rate 2
Mortgage Comparison Interest Rate 3
Mortgage Comparison Points 1
Mortgage Comparison Points 2
Mortgage Comparison Points 3
Mortgage Comparison Other Fees 1
Mortgage Comparison Other Fees 2
Mortgage Comparison Other Fees 3
Mortgage Comparison Loan Type 1
Mortgage Comparison Loan Type 2
Mortgage Comparison Loan Type 3
Mortgage Comparison Adjustable Type 1
Mortgage Comparison Adjustable Type 2
Mortgage Comparison Adjustable Type 3
Mortgage Comparison Maximum Initial Rate Adjustment 1
Mortgage Comparison Maximum Initial Rate Adjustment 2
Mortgage Comparison Maximum Initial Rate Adjustment 3
Mortgage Comparison Maximum Subsequent Rate Adjustment 1
Mortgage Comparison Maximum Subsequent Rate Adjustment 2
Mortgage Comparison Maximum Subsequent Rate Adjustment 3
Mortgage Comparison Anticipated Rate Cap 1
Mortgage Comparison Anticipated Rate Cap 2
Mortgage Comparison Anticipated Rate Cap 3

All Loans

Mortgage Comparison Home Price
Mortgage Comparison Your Income Tax Rate
Mortgage Comparison How Long Will You Stay in this House(Years)?

Payment Plans

You can save a lot of money if you increase your monthly mortgage payment in order to pay it off faster. Find out how much you could save over the life of your loan.

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Loan Information

Payments Plans Original Loan Amount
Payments Plans Original Mortgage Length
Payments Plans Date of Loan
Payments Plans Current Interest Rate
Payments Plans Date of First Extra Payment
Payments Plans Additional Payment Amount and Payment Type

Mortgage Qualification

Estimates a loan amount that you could qualify for.

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Income


Mortgage Qualification Combined Gross Annual Income

Monthly Expenses


Mortgage Qualification Minimum Monthly Credit Card Payments
Mortgage Qualification Car Payments
Mortgage Qualification Other Fixed Monthly Debt Expenses

Loan Information


Mortgage Qualification Down Payment
Mortgage Qualification Interest Rate
Mortgage Qualification New Loan Term

Payment Information


Mortgage Qualification Monthly Insurance and Other Costs
Mortgage Qualification Monthly Association Dues (If Any)
Mortgage Qualification Annual Property Tax

Loan Consolidation

Factors in the costs and benefits of consolidating your debts to determine whats the financially best way to pay them off.

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Loans

Add Row Remove Row
Loan Balance 0
Loan Payment 0
Loan Interest Rate 0

Credit Cards

Add Row Remove Row
Credit Card Remaining Amount 0
Credit Card Rate 0

Consolidated Loan

Consolidated Loan Interest Rate:
Consolidated Loan Term:
Consolidated Loan Fees:
Consolidated Loan Points(%):
Consolidated Loan Savings Rate(%)):
Consolidated Loan Invest(%):
Calculator Information

The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


Calculator Disclaimer

These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

Personal Financing

Select your financial calculator below to begin.

One or more of the fields is not filled out.

The date you have entered is invalid!

The amount of time is too large to compute!

The amount is too large to compute!

Percentages cannot exceed 100

How long you plan to keep the property must be less than or equal to the new loan term

Your down payment exceeds the home price

Credit Card Payoff

Determines how long it will take to pay off credit card debt.

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Card Information

Credit Card Payoff Current Balance
Credit Card Payoff Monthly Payment
Credit Card Payoff Interest Rate

Saving for College

Calculates a monthly savings amount in order to reach your college savings goal.

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College Financial Information

Saving for College Today's Yearly Tuition
Saving for College Years of College
Saving for College Amount you Have Now
Saving for College Years Until College Begins
Saving for College Expected Interest Rate
Saving for College Expected Inflation Rate

Big Purchase

Computes how much money you will need to save each month in order to purchase something big.

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Financial Information

Big Purchase After-Tax amount savings goal
Big Purchase Amount you have now
Big Purchase How long will you save
Big Purchase Expected Interest Rate
Big Purchase Income Tax Rate

Paying Off a Loan

Determines how long it will take you to payoff a loan.

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Loan Information

Paying Off a Loan Purchase Price
Paying Off a Loan Down Payment Amount
Paying Off a Loan Payment Amount
Paying Off a Loan Interest Rate

Car Purchasing

Helps decide if an Auto Loan or Home Equity Loan is best for purchasing a car.

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Auto Loan Information


Car Purchasing Price (pre tax)
Car Purchasing Loan term
Car Purchasing Interest Rate
Car Purchasing Cash Down
Car Purchasing Fees
Car Purchasing Sales Tax Rate
Car Purchasing Trade Allowance
Car Purchasing Amount Owed on Trade

Home Equity Loan Information


Car Purchasing Home Equity Loan Interest Rate
Car Purchasing Home Equity Loan Closing Costs
Car Purchasing Home Equity Loan Federal Tax Rate
Car Purchasing Home Equity Loan State Tax Rate

Debt Elimination

This calculator helps you evaluate various strategies for paying off your debt. When one debt is paid off, the payment amount normally applied to that debt is made available for use against another debt. This is referred to as the rollover strategy. Add an additional monthly payment for debt reduction to accelerate the payoff.

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Debt Information

Add Row Remove Row
Debt Elimination Type 0
Debt Elimination Creditor 0
Debt Elimination Interest Rate 0
Debt Elimination Current Balance 0
Debt Elimination Amount You Pay 0
Debt Elimination Minimum Amount 0
Debt Elimination Additional Monthly Payment for Debt Reduction

Debt Payoff Strategy

For the lease expensive debt payoff strategy, choose HIGHEST RATE FIRST and USE MINIMUM AMOUNT DUE

Debt Elimination Debt Payoff Order
Debt Elimination Minimum Amounts
Calculator Information

The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


Calculator Disclaimer

These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

Retirement Financing

Select your financial calculator below to begin.

One or more of the fields is not filled out.

The date you have entered is invalid!

The amount of time is too large to compute!

The amount is too large to compute!

Percentages cannot exceed 100

How long you plan to keep the property must be less than or equal to the new loan term

Your down payment exceeds the home price

Traditional vs. Roth

Which is better, a Traditional IRA or a Roth IRA? Traditional IRAs offer tax-deferred earnings and tax-deductible contributions. Roth IRAs offer tax-free earnings, but contributions are not deductible.

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IRA Information

Traditional vs. Roth Current Traditional IRA amount
Traditional vs. Roth Current tax bracket
Traditional vs. Roth Retirement tax bracket
Traditional vs. Roth Estimated investment rate of return
Traditional vs. Roth How much do you plan to save each year
Traditional vs. Roth Amount Saved is
Traditional vs. Roth Maximum IRA sheltered contribution
Traditional vs. Roth How many years until you retire

Traditional IRA

Use this calculator to compute the amount you can save in a tax-deferred Traditional IRA. Contributions to your Traditional IRA are usually tax deductible now, but you pay taxes when you withdraw the funds in retirement.

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IRA Information

Traditional IRA Annual Deposit Amount
Traditional IRA Number of Years to Save
Traditional IRA Rate of Return
Traditional IRA Income Tax Rate

Roth IRA

Use this calculator to compute the amount you can save in a Roth IRA where you pay taxes on your income now, but withdraw the funds tax-free in retirement. Because this is a Roth IRA, your contribution limit is after taxes and your effective contribution limit is higher than a Traditional IRA. This calculator allows you to enter your annual deposit amount in "Before Tax" dollars so that the after tax deposit amount is automatically computed for you.

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IRA Information

Roth IRA Annual Deposit Amount
Roth IRA Deposit amount is
Roth IRA Current Tax Rate
Roth IRA Number of Years to Save
Roth IRA Rate of Return

Retirement Savings

Use this calculator to find out how long you can make recurring withdrawals of a specified amount from your savings account.

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Financial Information

Retirement Savings Start Balance
Retirement Savings Withdrawal Amount
Retirement Savings Rate of Return
Retirement Savings Compounding Period

Retirement Funding

Use this calculator to find out how much money you must have in your savings account to make recurring withdrawals of a specified amount.

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Financial Information

Retirement Funding Withdrawal Amount
Retirement Funding Rate of Return
Retirement Funding Number of Withdrawals
Retirement Funding Withdrawal Period

Monthly Spending

Use this calculator to compute how much you will be able to regularly withdraw from your savings account before you run out.

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Financial Information

Monthly Spending Starting Balance
Monthly Spending Rate of Return
Monthly Spending Number of Withdrawals
Monthly Spending Withdrawal Period
Calculator Information

The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


Calculator Disclaimer

These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.