Mortgage · Auto · Credit Card · Personal Loan

Know the estimated cost before you sign.

Payment breakdowns for Conventional, FHA, and VA loans. See principal, interest, taxes, insurance, PMI and projected balance timeline.

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Free to use No login required FHA · VA · Conventional Standard U.S. formulas
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Conventional, FHA & VA in one place

Most calculators treat all loans the same. We don't. Select your loan type and the calculator adapts right PMI rules, MIP, Funding Fee, everything.

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Standard U.S. amortization formulas

Standard U.S. amortization formulas commonly used in consumer lending. See how your balance drops month by month, how much goes to interest vs principal, and when you hit 20% equity.

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Full payment breakdown not just P&I

Principal, interest, property taxes, homeowners insurance, HOA, PMI or MIP. The number that actually comes out of your account every month.

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Home buying
Mortgage Calculator

Full PITI breakdown with property taxes, insurance, HOA, and PMI. Includes projected amortization schedule and equity timeline.

Conventional FHA VA
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Car buying
Auto Loan Calculator

Estimated monthly payment, total interest over the loan term, and full amortization schedule. Compare dealer financing vs your own terms.

New & Used Fixed Rate
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Debt payoff
Credit Card Payoff

See how long it takes to pay off your balance and how much interest you'll pay at different payment amounts. Snowball vs Avalanche strategies included.

Fixed Payment Minimum Only
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Borrowing
Personal Loan Calculator

Monthly payment, total interest, and how origination fees affect your real APR. Know the actual cost before you accept an offer.

Fixed Rate With Fees
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Savings & investing
Compound Interest

Project savings growth with regular contributions and different compounding frequencies. See the real difference time makes.

Daily Monthly Yearly
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Planning
Savings Goal Calculator

How much do you need to save each month to hit your target by a specific date? Work backward from your goal.

Emergency Fund Down Payment
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Learn before you borrow

Short articles that explain financial concepts borrowers often overlook before you're sitting across the table from one.

Mortgage
Conventional vs. FHA vs. VA Loans

Down payments, credit requirements, PMI, MIP, and real monthly costs compared on a $300,000 home.

Read article → Credit cards
The Real Cost of Minimum Payments

Illustrative examples showing how minimum payments can extend payoff timelines and increase total interest cost. See what changes when you pay more.

Read article → Savings & investing
What Is Compound Interest and Why Start Early?

Illustrative examples showing how starting earlier may significantly affect long-term compound growth at retirement, from just $36,000 extra.

Read article → Mortgage
What Is PMI and How Do You Get Rid of It?

PMI can add $139–$333/month to your payment. See what drives the cost and common situations where PMI removal may become available.

Read article → Debt payoff
Snowball, Avalanche & Hybrid Methods

Three approaches to pay off debt faster. Which one keeps you motivated until the balance hits zero.

Read article → APR & Interest
How APR Really Works

APR includes interest and fees. Learn how to compare loan offers fairly and avoid misleading "low rate" pitches.

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Quick answers

Common money questions

Conventional loans are standard mortgages not backed by the government. FHA loans are government-backed and allow lower credit scores and down payments as low as 3.5%, but require Mortgage Insurance Premium (MIP). VA loans are available to eligible veterans and active military, they require no down payment and no monthly PMI, but include a one-time Funding Fee. Each loan type has different rules for insurance, fees, and eligibility. Our Mortgage Calculator adapts to each type automatically.
PMI (Private Mortgage Insurance) is typically required on Conventional loans when the down payment is less than 20%. It protects the lender, not you. Once your loan balance drops to 80% of the home's original value, you can typically request PMI cancellation. At 78% it's usually removed automatically. FHA loans have MIP instead, which may last the life of the loan depending on your down payment and term.
A common guideline is to keep total housing costs (PITI) at or below 28% of gross monthly income. Some lenders allow up to 43% debt-to-income ratio including all debt payments. But a ratio you qualify for isn't necessarily comfortable to live with. Use the Mortgage Calculator to see the full monthly payment, principal, interest, taxes, insurance, and PMI not just P&I.
APR depends heavily on your credit score, loan term, and whether the car is new or used. Rates for buyers with strong credit can start in the mid-single digits; buyers with lower scores may see rates in the teens or higher. Dealer-arranged financing may include pricing differences depending on the lender and agreement structure over what a bank or credit union would offer. Always compare.
APR (Annual Percentage Rate) is the yearly cost of borrowing money, it's what lenders charge you. APY (Annual Percentage Yield) is the yearly return on savings, accounting for compounding. When borrowing, lower APR is better. When saving or investing, higher APY is better.
Yes, significantly. Extra principal payments reduce your outstanding balance, which means less interest accrues each month. Even modest extra principal payments may reduce total interest costs and shorten repayment timelines depending on loan terms.
Snowball: pay minimums on everything, throw all extra money at the smallest balance first. You pay it off fast, get a win, and stay motivated. Avalanche: attack the highest interest rate first. Mathematically cheaper but takes longer to see a balance hit zero. Hybrid mixes both, start with one small balance for a quick win, then switch to highest rate. Our Debt Payoff Guide walks through all three.
The general benchmark is 3 to 6 months of essential expenses, rent or mortgage, utilities, food, minimum debt payments, insurance. If your income is variable or you're self-employed, aim for 6 to 12 months. The Savings Goal Calculator can help you figure out a monthly contribution to build that cushion over time.
Credit score, down payment size, loan type (Conventional vs FHA vs VA), loan term (15 vs 30 year), and the broader interest rate environment. Lenders also factor in property type and location. A higher credit score and larger down payment typically get you a lower rate. Comparing multiple lenders may help borrowers identify more competitive loan terms.
Leasing usually has a lower monthly payment, but you build no equity. At lease end you have nothing unless you buy the car at residual value. Buying costs more monthly but after payoff you own the car outright, often the better long-term value, especially if you keep it several years past the loan. Mileage limits and lease fees add up too.