Loans & Mortgages

Payments, amortisation, overpayments, refinancing and paying off debt.

• Amortisation Calculator A year-by-year amortisation schedule, and the balance, principal and interest paid at any point in the loan.
• Balloon Payment Calculator The monthly payment and final balloon on a loan with a shorter term than its amortisation.
• Biweekly vs Monthly Payment Calculator How much paying half your monthly payment every two weeks saves.
• Car Lease Payment Calculator Monthly lease payment from the price, residual value, money factor or APR, and term.
• Car Loan Calculator Monthly car payment from the price, deposit, trade-in, sales tax, rate and term.
• Credit Card Payoff Calculator How long a card takes to clear at the minimum payment against a fixed payment, and the interest each way.
• Debt Snowball vs Avalanche Calculator Compares paying off the smallest debt first with paying off the highest rate first.
• Debt-to-Income Ratio Calculator Front-end and back-end debt-to-income ratios from your monthly income and debts.
• Down Payment Calculator The deposit for a home, the resulting loan, and how long it will take to save.
• EMI Calculator Equated monthly instalment, total interest and total payment for a home, car or personal loan.
• Fixed vs Adjustable Mortgage Calculator A fixed rate against a low introductory rate that then resets to a rate you assume.
• Interest-Only Loan Calculator Payments during and after an interest-only period, and what it adds to total interest.
• Loan Calculator Monthly payment, total interest and a year-by-year schedule for any fixed-rate loan.
• Loan Comparison Calculator Two loan offers side by side: payment, total interest, fees and which costs less overall.
• Loan Extra Payment and Payoff Calculator How much interest and time extra payments save, and your new payoff time.
• Loan-to-Value (LTV) Calculator Loan-to-value ratio, your equity, and how much to pay down to reach a target LTV.
• Mortgage Calculator Monthly mortgage payment with property tax and insurance, total interest and loan-to-value.
• Mortgage Overpayment and Payoff Calculator How monthly or lump-sum overpayments shorten a mortgage and cut the interest.
• Refinance Break-Even Calculator Monthly saving, break-even time and lifetime cost of refinancing a loan.
• Student Loan Calculator Monthly payment and total interest on a student loan at a fixed rate.