Present Value for Annuity
Calculate the present value of an annuity instantly. Enter the periodic payment, annual interest rate, number of years, and compounding frequency to find what a stream of future payments is worth today.
Mortgage Calculators: Payments, Rates and Refinancing
Use these mortgage calculators to estimate home loan payments, compare borrowing costs and plan for changes to your loan. The Mortgage Payment and Biweekly Mortgage Loan Payment calculators help you explore payment schedules, while Mortgage APR and Mortgage Discount Points (Buying Points) help you assess the cost of different offers. Use Mortgage Home Loan Prequalification and Down Payment to prepare for a purchase, or Mortgage Refinancing Rates and Refinance Breakeven Point to evaluate a new loan. These tools are for homebuyers, homeowners and anyone comparing financing options.
Calculators
Monthly Investment Savings
Calculate how much you need to invest each month to reach a future savings goal. Enter your target amount, expected annual interest rate, and time horizon to get the required monthly contribution.
Exponential Moving Average (EMA)
Calculate the Exponential Moving Average (EMA) of any asset. Enter yesterday's EMA or price, today's price, and the period in days to get the smoothed, trend-weighted average instantly.
Loan Balance
Find out how much you still owe on a loan after a given number of payments. Enter the original loan amount, monthly payment, annual interest rate, and months elapsed to get your remaining balance.
Gordon Growth Model
Estimate the fair value of a stock with the Gordon Growth Model. Enter the expected dividend next year, your required rate of return, and the dividend growth rate to get the implied stock price.
Number of Loan Payments
Find out how many payments it takes to repay a loan. Enter the loan amount, the payment you make each period, the annual interest rate, and the compounding frequency.
Price Increase, Decrease Percentage
Calculate the percentage increase or decrease between an original price and a new price. Enter both prices to see the exact price change and whether it went up or down.
Loan Amount
Find out how much you can borrow based on the payment you can afford. Enter your payment amount, loan term in years, interest rate and compounding frequency to get the loan amount.
Required Rate of Return
Estimate the required rate of return on a dividend-paying stock using the Gordon Growth Model. Enter the current annual dividend, stock price, and expected dividend growth rate to get the result instantly.
Mortgage Payment
Estimate your fixed monthly mortgage payment and the total interest you will pay over the life of the loan. Enter the loan amount, annual interest rate, term in years, and any extra monthly payment.
Credit Card Payoff
Estimate how many months it will take to pay off your credit card balance. Enter your outstanding balance, annual interest rate, and monthly payment to see your payoff timeline.
Closing Costs
Estimate the closing costs and total cash to close on a home purchase. Enter the price, down payment, loan type and fee amounts to get an itemized breakdown of lender, third-party, government and prepaid charges.
Return on Investment
Calculate the return on investment (ROI) of any project or asset in seconds. Enter your initial investment and total earnings to see your profit or loss as a percentage.
Retirement Planner
Estimate your retirement income gap in seconds. Enter your current savings, years until retirement, target income and passive income to see the extra principal you need.
Future Value of Annuity
Estimate how much a series of equal periodic payments will grow to at a fixed interest rate. Enter the payment amount, rate per period, and number of periods to get the future value instantly.
Interest Rate
Estimate the interest rate of a loan or investment when you know the principal, the regular payment, and the number of periods. Enter three values and get the approximate rate per period.
Mortgage Discount Points (Buying Points)
Estimate the cost of buying mortgage discount points, the monthly savings from a lower rate, and how many months it takes to break even. Enter loan amount, term, both rates, and points.
Pre-Payment Penalty
Estimate the penalty for paying off your mortgage early and the total payoff amount. Enter your remaining loan balance and the calculator applies a standard 2% pre-payment penalty.
Loan Repayment
Estimate your monthly loan payment (EMI) and the total amount you will repay over the loan term. Enter the loan amount, annual interest rate, and term in years to see the results instantly.
Mortgage APR
Estimate the true Annual Percentage Rate (APR) of a mortgage by combining the nominal interest rate with closing costs and discount points. Enter your loan amount, rate, term, fees and points to see the real cost of borrowing.
Roth vs. Traditional IRA
Compare the after-tax future value of a Roth IRA and a Traditional IRA. Enter your annual contribution, years to retirement, expected return, and retirement tax rate to see which account leaves you with more.
LTV
Quickly compute your loan-to-value (LTV) ratio, combined CLTV, and home equity from your mortgage balances and property value — or plan the loan amount and down payment needed to hit a target LTV. Enter an appraised value, purchase price, and up to two mortgages.
Investment Payment
Estimate how many periodic payments it takes to reach a future investment goal. Enter your target amount, payment, annual interest rate and compounding frequency to see the number of periods.
CPF Calculator Singapore
Calculate your monthly CPF contributions in Singapore based on your salary and the prevailing employee and employer contribution rates. Get the employee, employer and total amounts instantly.
Current Price
Estimate the fair value of a dividend-paying stock with this Current Price Calculator. Enter the annual dividend, required rate of return, and dividend growth rate to apply the Gordon Growth Model.
Roth Individual Retirement Account
Estimate how much your Roth IRA will be worth at retirement. Enter your annual contribution, years to save, and expected annual return to see the future value and tax-free withdrawal amount.
Amortization
Calculate the monthly payment for any amortizing loan — mortgage, auto, or personal. Enter the loan amount, annual interest rate, and term in years to see your fixed payment and how much interest it includes.
Annuity Payment
Calculate the fixed annuity payment for a loan: enter the loan amount, annual interest rate, and term in years to find the equal periodic payment that fully repays the loan.
Profitability Index
This Profitability Index Calculator helps you evaluate an investment by comparing the present value of future cash flows to the initial investment. Enter both amounts to see the PI value and an accept or reject decision.
Blended Rate
Calculate the blended interest rate of two loans with different amounts and rates. Enter each loan's balance and rate to find the weighted average rate you effectively pay.
Credit Card Minimum Payment
Calculate your credit card minimum payment instantly. Enter your outstanding balance, the minimum payment percentage, and the fixed minimum amount to see what you must pay each month.
Employee Provident Fund (EPF)
Estimate how much your Employee Provident Fund (EPF) will grow to by retirement. Enter your current age, EPF balance, monthly basic pay and dearness allowance, contribution rate, and expected annual salary hike to project your total EPF corpus.
Reverse Mortgage Loan
Estimate how much you can borrow against your home with a reverse mortgage. Enter your property value, LTV ratio, interest rate, and payout frequency to see the installment amount you could receive.
Amortization Schedule
Calculate the monthly payment, total payment, and total interest for any fixed-rate loan, and see how each payment is split between principal and interest in an amortization schedule. Enter loan amount, interest rate, and term.
Interest Only Payment
Estimate the monthly payment on a loan during an interest-only period. Enter the loan amount and annual interest rate to see how much interest you owe each month without reducing the principal.
Mortgage Calculator
Estimate your monthly mortgage payment by entering the loan amount, annual interest rate, and loan term in years. The result shows the fixed principal-and-interest payment you would make each month.
Estimate at Completion (EAC)
Forecast the total cost of your project at completion using four EAC methods based on earned value metrics. Enter actual cost, budget, earned value, and performance data to see the expected final cost.
Personal Loan
Estimate a personal loan's monthly payment, total interest, effective APR including the origination fee, and payoff date. Enter the loan amount, APR, term, and fee to see a full amortization schedule.
Present Value for Future Value
Calculate the present value of a future lump sum. Enter the future amount, annual interest rate, number of years, and compounding frequency to discount it to today's value.
Hourly Wage to Salary
Convert your hourly wage into daily, weekly, monthly, and annual salary. Enter your hourly rate and average working hours per day to see your estimated earnings.
Refinance Breakeven Point
Find out how many months it takes to recover your refinancing costs. Enter your loan balance, current payment, new rate, term and closing costs to see your break-even point and total savings.
Investment Payment Amount
Estimate the periodic payment for an investment loan. Enter the desired amount, down payment, closing costs, interest rate, term, and compounding frequency to see the required payment.
Loan Comparison
Compare two loans side by side: enter the amount, interest rate, and term for each, and instantly see the monthly payment, total payment, and total interest for both options.
Sales Funnel
Enter your website visitors, leads, qualified leads, customers, and average order value to see the conversion rate at each sales funnel stage and the total revenue generated.
Cash Conversion Cycle
Enter Days Inventory Outstanding (DIO), Days Sales Outstanding (DSO), and Days Payables Outstanding (DPO) to instantly calculate your Cash Conversion Cycle (CCC) in days and see how long cash stays tied up in operations.
Mortgage Payoff
See how extra monthly, one-time, or yearly payments could change your mortgage payoff month and total interest. Enter your current balance, rate, and remaining term or monthly principal-and-interest payment.
Real Estate Commission
Estimate the total real estate commission, how it splits between the listing and buyer's agents, each agent's take-home after the brokerage split, and the seller's net proceeds from the sale. Enter the sale price, commission structure, splits, closing costs and mortgage payoff.
Auto Loan EMI
Estimate your monthly car loan payment (EMI), total payment, and total interest by entering the loan amount, annual interest rate, and loan term in years.
Future Value for Single Payment
Calculate the future value of a single lump-sum payment with compound interest. Enter the present amount, annual interest rate, and number of years to see how your one-time investment grows.
Business Loan
Estimate the payment, total cost and effective APR of a business loan, including amortizing term loans and factor-rate merchant cash advances. Enter the amount, rate or factor, term and fees, and the calculator also shows your DSCR.
Credit Card Balance Transfer
Estimate the true cost of moving credit card debt to a new card. Enter your transferred balance, the transfer fee, and the repayment term to see the new balance and the monthly payment needed to clear it.
Insurance Premium Payment
Estimate the total fund amount you will pay into an insurance policy. Enter your premium, choose monthly or yearly payments, and select a policy term to see the cumulative total.
Loan Calculator
Estimate your monthly loan payment, total payment, and total interest. Enter the loan amount, annual interest rate, and term in years to see the full cost of the loan.
Biweekly Mortgage Loan Payment
Estimate your biweekly mortgage payment from the loan amount, annual interest rate, and term. See the biweekly payment, total paid, and total interest over the life of the loan.
Boat Loan
Estimate your monthly boat loan payment plus the real cost of ownership — insurance, maintenance, storage and fuel. Enter the boat price, down payment, trade-in, tax, fees, APR and term to see the true monthly cost.
FHA Loan
Estimate the full monthly payment on an FHA loan, including upfront and annual mortgage insurance premiums (MIP), property tax, insurance, and HOA dues. Enter the home price, down payment, rate, and term.
Present Value of Growing Perpetuity
Calculate the present value of a growing perpetuity — an infinite stream of payments that grows at a constant annual rate. Enter the first payment, discount rate, and growth rate to get the PV instantly.
Down Payment
Estimate how different down payment sizes (0% to 20%) affect your monthly loan payment. Enter the loan amount, interest rate, and term to compare scenarios instantly.
Loan Payment Amount
Calculate your fixed monthly loan payment from the loan amount, annual interest rate, and term. Works for mortgages, auto loans, and personal loans with amortizing payments.
RV Loan
Estimate your RV loan payment, total interest and the total cost of the purchase, then add yearly ownership costs like insurance, storage, maintenance and fuel to see the true monthly cost of owning an RV.
Auto Loan
Estimate your monthly car payment and total interest cost from the car's price, down payment, loan term, and annual interest rate. Compare annuity and classical (declining) repayment schedules side by side.
DTI Ratio
Calculate your housing and total debt-to-income ratios from your gross income and required monthly payments. Enter income as monthly or annual amounts, and enter every debt payment as a monthly amount.
Annual Payment on Future Value
Calculate the annual payment needed to reach a future savings goal. Enter your target future value, annual interest rate, and number of years to find the yearly deposit required.
Annuity Payment Factor
Calculate the annuity payment factor from the interest rate per period and the number of periods. Enter the annual rate and term to get the factor used to compute fixed loan or annuity payments.
Annuity Payout
Calculate the lump sum (present value) needed today to fund a series of equal periodic payments. Enter the payment amount, annual interest rate, and number of periods to get the required principal.
Mortgage Recast
See how a one-time lump-sum principal payment recasts your mortgage. Enter your loan details to compare your monthly P&I, total interest and fee break-even before and after the recast.
Retirement Plan
This Retirement Plan Calculator helps you estimate the amount you will accumulate before retirement and how much you need to fund your retirement period.
Balloon Loan
Calculates the monthly payment and the lump-sum balloon payment due at the end of a balloon loan. Enter the loan amount, rate, amortization period and balloon term — or solve backwards for the payment needed to hit a balloon amount you choose.
Education Loan Repayment
Estimate your monthly EMI and total repayment for an education loan. Enter the loan amount, annual interest rate, and loan term in years to see the full cost of borrowing.
Home Equity
Find out how much equity you have in your home and how much a lender will let you borrow. Enter your home's value, mortgage balances, and loan terms to see your equity, CLTV, borrowing power, and estimated monthly payment.
VA Loan
Estimates your full monthly VA loan payment — principal & interest plus the VA funding fee, property tax, insurance and HOA — and compares the result side by side with an FHA loan. Enter the home price, rate, term, loan type and entitlement use.
Current Annual Dividend
Calculate your total annual dividend income in seconds. Enter the dividend per share and the number of shares you own to see how much passive income your portfolio generates each year.
Future Value for Present Amount
Calculate the future value of a present amount using simple interest. Enter the principal amount and interest rate to see the interest earned and the total future value.
Housing Loan Interest Rate
Estimate how much housing loan your income can support. Enter your monthly income, other income, expenditure, loan term and interest rate to see your eligible EMI, loan amount and total interest.
Mortgage Refinancing Rates
Estimate your new monthly payment after refinancing, your monthly savings, and how many months it takes to break even on refinancing costs. Enter your loan balance, current payment, new rate, term, and closing costs.
Rent vs Buy
Enter the home price, mortgage terms and ownership costs on one side and your rent on the other to see the total net cost of buying versus renting over your time horizon, plus the break-even year at which buying becomes cheaper.
401(K) Retirement Plan
Estimate how much your 401(k) will be worth at retirement. Enter your current age, balance, annual contribution, employer match percentage, and expected return to see your projected savings.
Mortgage Home Loan Prequalification
Estimate how much mortgage you may prequalify for. Enter your monthly income, debts, down payment, interest rate, and loan term to see your maximum payment, loan amount, and total home price.
Credit Score
Estimate your debt-to-income (DTI) ratio, a key measure lenders use to judge creditworthiness. Enter your recurring monthly debt and gross monthly income to see what percentage of your income goes to debt payments.
Home Equity Line of Credit (HELOC)
Estimate the monthly payment needed to pay off your HELOC in a set number of months. Enter your balance, interest rate, payoff goal, new monthly charges, and annual fee to see the required payment.
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