Calculators

Select Calculator Type (dynamically selected using Javascript)

Biweekly Mortgage

Principal Loan Balance:
Annual Interest Rate (%):
Term (years):

Canadian Mortgage Payment

(assumes semi-annual compounding)

Select Type:
Enter your Loan Amount or Monthly Payment:
Your Interest Rate (%):
Length of Mortgage (years):

How Much House Can You Afford?

Annual Income:
Monthly Debt: (car & student loans, credit cards, etc...)
Cash in hand for down payment:
Property tax rate: (1% = $1000/yr for 100K house)
Home Insurance rate: (0.5% = $500/yr for 100K house)
Interest Rate (%):
Term (years):

Mortgage Calculator

Principal Loan Balance:
Annual Interest Rate (%):
Amortization Length (years):
Starting month:
Starting year:
Show full amortization table?
Pre-payment method:
Monthly/Annually/One-Time Principal Prepayment Amount:
One-Time Prepayment to be paid after payment (month #):

Mortgage Payment Table Calculator

Minimum Principal:
Maximum Principal:
Minimum Interest:
Maximum Interest:
Number of years:

Mortgage Qualification Calculator

Enter the values below. The calculator will show what kind of income lenders will expect you to be making to qualify for the specific values. Property tax and home insurance numbers vary greatly by region and construction type.

Monthly mortgage principal + interest:
Enter expected annual property tax:
Enter expected annual home insurance:
Enter expected monthly debt payments: (car & student loans, credit cards, etc...)
Sale price of home:
Down Payment:

Prepayment Mortgage Reduction

This form allows you to see how prepaying your mortgage reduces the length of your mortgage by putting in the current values for your loan.

Current Principle Balance:
Current Prin+Int Monthly Payment:
Current Annual interest Rate:
Additional Monthly Pre-Payment Amount: (Or enter "B" for biweekly)
Increase Monthly Payment each year by (%):

Front End Cost Calculator

How much does that loan REALLY Cost?

Enter the Loan Amount:
The Quoted Interest Rate (%):
The Quoted APR (%):
Length of Loan (years):

APR Calculator

How much does that loan REALLY Cost?

Enter the Loan Amount:
The Quoted Interest Rate (%):
Points (%):
Other Closing Costs to Include:
Length of Loan (years):

Compound Interest Rate Calculator

This calculator simply takes the final amount you want to earn given an initial investment for a duration of time, and finds the required annual yield you would need to achieve that goal.

Starting Value of Investment:
Final Value of Investment:
Input Total Duration in Years:

Deferred Payment Calculator

Defer For:
Interest Rate (%):
Principal:
Term (months):

Future Value/Annuity Calculator

Beginning Balance of Account:
Monthly Contribution:
Years Until Retirement:
Estimated Annual Yield:
Estimated Annual Inflation (%):
Estimated Annual Contribution Increase:
Desired Future Monthly Withdrawal Amount (current dollars):

How Long Will It Last? - Loan Calculator

Here is a new twist on the mortgage calcuator. Here you tell how much you want to spend each month, an interest rate and a loan amount, and find out how long it will take you to pay it off.

Beginning Loan Balance:
Minimum Monthly Payment:
Maximum Monthly Payment:
Annual Interest Rate (%):

How Much to Retire

Here is a new simple retirement calculator. It tells how much you will need to provide a certain income for a set number of years.

Annual Income Required (today's dollars):
Number of years until retirement:
Number of years required after retirement:
Annual Inflation:
Annual Yield on Balance (%):

Loan Payment Calculator

Enter the values to find out the payment. The loan can be a mortgage, car loan, or any other simple interest amortization over a fixed time with fixed monthly payments.

Principal:
Interest Rate (%):
Number of Years:

Nominal and Effective Interest Rates

Calculate what rates are necessary to achieve a desired future value amount given a present value amount and the time period over which to compound your investment.

Future Value:
Present Value:
Total Years:
Compound Periods Per Year:

Prepayment vs. Investment - A Scenario

This form allows you to compare what would happen if you took one of two choices with some extra cash you have -- prepaying your mortgage each month, or investing it instead. This tries to take into account your tax situation and assumes you always itemize (even late into your mortgage when your interest will be lower -- I am assuming you give to charities, and pay state and local taxes too!!)

How much more you have to spend each month:
Current monthly payment (principal & interest only):
Current Annual Loan Interest Rate:
Current Loan Balance:
Loan Interest Deductibility:
Expected Long Term Investment Return (%):
Expected Long Term Tax Rate (%) (Federal+State):
Investment Type:

Savings Calculator

This doesn't deal with inflation, taxes or any of that complicated stuff. This is just a simple calculator that lets you start with an amount of money and make regular monthly deposits, and see how much it grows.

Initial Amount:
Monthly Deposit:
Annual Interest %:
Compounded:
Number of Years:

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