Loans & Real Estate

Calculate your car payment with sales tax, fees, down payment and trade-in value — including negative equity from a car you still owe on.

Calculate a car lease payment from the price, residual value, money factor and term — with the depreciation and finance charges broken out.

Compare leasing a car with buying it on a loan over the same period — total payments, what the car is worth at the end, and the net cost of each.

Estimate student loan payments on a 10-year standard or 25-year extended plan (or any term), and what refinancing to a new rate would save.

Compare up to three loan offers side by side — monthly payment, total interest, fees and true APR — to find the cheapest.

Calculate simple interest on a loan or deposit — interest, total amount, or solve for the rate or time — with days, months or years.

Reveal the real annual percentage rate (APR) of a payday or short-term loan from its fee and length — and what rolling it over would cost.

Calculate the monthly payment (EMI), total interest and full repayment schedule for any personal, car, home or business loan.

Estimate your monthly mortgage payment with principal, interest, property tax, home insurance, PMI and HOA — plus total interest and an amortization schedule.

Estimate the home price you can afford from your income, debts, down payment and interest rate, using the 28/36 debt-to-income rule lenders use.

Generate a full month-by-month amortization schedule showing each payment's principal, interest and remaining balance — downloadable as CSV.

Find out if refinancing pays off: new monthly payment, monthly savings, break-even point on closing costs and the change in total interest.

Estimate an FHA mortgage payment including the upfront and annual mortgage insurance premium (MIP), property tax and insurance, with 3.5% minimum down.

Estimate a VA home loan payment including the VA funding fee (based on down payment and first or subsequent use), with $0 down allowed and no PMI.

Estimate private mortgage insurance (PMI) on a conventional loan with less than 20% down — monthly cost and when it drops off at 78% loan-to-value.

Work out the down payment for a home at any percentage, the resulting loan amount, and how long it will take to save for it.

Find how much you can borrow against your home with a HELOC or home equity loan, and estimate the interest-only and repayment payments.

See how much cash you can take out by refinancing, and what your new mortgage payment would be after closing costs.

See how paying half your mortgage every two weeks — 26 half-payments, or 13 full payments a year — shortens your loan and cuts interest.

Decide whether buying mortgage discount points is worth it: upfront cost, monthly savings and the break-even month.

Compare an adjustable-rate mortgage (e.g. 5/1 or 7/1 ARM) with a fixed-rate loan — payments before and after the reset and total cost over the years you'll keep it.

See your new monthly payment after recasting your mortgage with a lump-sum payment, and the interest you'll save — without refinancing.

Estimate your monthly escrow payment for property tax, homeowners insurance, PMI and HOA — plus the cushion lenders may hold.

Find how much rent you can afford using the 30% rule, the 40× rent income test landlords use, and a budget that accounts for your debts.

Split rent fairly between roommates — equally, by room size, or by income — with shared space divided evenly.

Calculate prorated rent for a partial month when moving in or out mid-month — by the actual days in the month, a 30-day month or a 365-day year.

Calculate a new rent after a percentage increase, or the percentage between old and new rent — and compare it with a rent cap you enter.

Compare the long-term cost of renting versus buying a home, including appreciation, rent increases, maintenance and the return you'd earn investing the down payment.

Analyze a rental property: net operating income, cap rate, monthly cash flow and cash-on-cash return, after vacancy, expenses and the mortgage.

Run the numbers on a Buy-Rehab-Rent-Refinance-Repeat deal: all-in cost, cash left in the deal after the refinance, and cash flow on the new loan.

Estimate the profit and ROI on a fix-and-flip: purchase, rehab, holding and financing costs against the sale price after commissions — plus the 70% rule check.

Estimate what you'll walk away with when selling your home after agent commission, closing costs, repairs and paying off the mortgage.

Compare property listings by price per square foot, square metre or acre — and estimate a value from a local price per square foot.