Calculators

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.

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Deferred Payment Calculator

What will your monthly payment be if you defer a loan?

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How Long Will It Last? - Loan Calculator

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

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Loan Payment Calculator

Enter the values and we will tell you the payment. The loan can be a mortgage, car loan, or any other simple interest amortization over a fixed time with fixed monthly payments.

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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.

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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.

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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.

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Bi-weekly Mortgage Calculation

Change the below fields as desired:

Principal Loan Balance: Annual Interest Rate (%): Amorization Length (years):

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How much house can you afford?

Annual Income: Monthly Debt (Car payments, credit cards, student loan payment 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 (%): Length of Loan (years):

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Mortgage Calculator

Change the below fields as desired:

Principal Loan Balance: Annual Interest Rate (%): Amorization Length (years): Start Date: Month: Year: Show full amortization table? Pre-payment method: None : No Prepayments Monthly : Pre-pay a set amount each month Annually : Pre-pay a set amount once each year Bi-weekly : 26 half paymts/yr - 2 half pre-paymts each 6 months Bi-weekly : 26 half paymts/yr - 1 full pre-paymt each 12 months One Time : Pre-pay one set amount after a given # of months Monthly/Annually/One-Time Principal Prepayment Amount: One-Time Prepayment to be paid after payment (month #):

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Principal & Interest Table Calculator

Enter the values to see a table of monthly payments:

Value
Minimum
Maximum
Principal:
Interest:
Number of years:

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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:

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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 Principal 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 (%):

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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):

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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):

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Compound Interest Rate Calculator

This calculator simply takes the final amount you want to earn given an initialinvestment 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:

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Defered Payment Calculator

Change the below fields as desired:

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

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How Long will it Last?

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 (%):

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Simple 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:

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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:

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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:

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Simple 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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