Loan Calculators

Calculate Parent PLUS loan payments, total interest, and repayment options for federal education loans. Compare standard 10-year vs extended 25-year repayment plans, estimate monthly payments based on 2025 interest rates (9.08% for Direct PLUS), and analyze total cost of borrowing for undergraduate and graduate students. Includes income-driven repayment (ICR) eligibility, consolidation options, and refinancing alternatives.

Calculate private student loan payments, compare interest rates, and estimate total repayment costs for undergraduate and graduate education. Analyze fixed vs variable rate loans from major lenders, determine monthly payments based on 2025 market rates (4.50%-14.99%), and compare private loans vs federal Direct/PLUS loans. Includes cosigner impact, refinancing options, and total interest paid over 5-20 year terms.

Compare auto loan refinancing options with break-even analysis, monthly payment calculations, and total interest savings projections to make informed refinancing decisions.

Calculate boat loan monthly payments for new and used boats, yachts, sailboats, and personal watercraft. Compare financing terms (5-20 years), interest rates (6-12%), down payment requirements (10-20%), and total loan costs including interest, fees, and insurance for marine financing in 2025.

Calculate Chase home equity loan and HELOC borrowing power for 2025. Estimate available equity based on home value, mortgage balance, and 80% LTV limit. Compare fixed-rate home equity loan vs variable HELOC rates. Get monthly payment estimates and closing cost breakdowns for Chase products.

Calculate commercial property loan payments, qualification requirements, and DSCR (Debt Service Coverage Ratio) for office, retail, industrial, and multifamily properties. Determine maximum loan amount based on property income, LTV ratios, and lender requirements with 2025 rates.

Calculate interest savings and payoff timeline with extra payments on mortgages, auto loans, student loans, and personal loans. Compare monthly extra payment vs one-time lump sum strategies, analyze total interest saved, and determine optimal payoff schedule to become debt-free faster while maximizing savings in 2025.

Calculate equipment loan and lease payments for business machinery, vehicles, technology, and manufacturing equipment. Compare financing options including capital leases, operating leases, equipment loans, and fair market value (FMV) leases with 2025 rates and tax deduction strategies.

Calculate 2025 FHA loan payments, mortgage insurance premiums (MIP), down payment requirements, and closing costs. Compare FHA vs conventional loans for credit scores 580-850, determine eligibility with debt-to-income ratios, and analyze total loan costs including upfront MIP (1.75%) and annual MIP (0.15-0.75%) for first-time homebuyers and low down payment scenarios.

Calculate hard money loan costs for real estate investments - fix-and-flip, bridge financing, and construction projects. Estimate total interest, points (2-5%), monthly payments, and all-in costs for 6-24 month terms. Compare hard money vs traditional financing with 8-15% rates and 65-75% LTV limits. Get accurate cash-to-close and exit strategy numbers for 2025.

Calculate your home equity percentage, usable borrowing amount, and loan-to-value (LTV) ratio with comprehensive 2025 lending standards. Input current home value (recent appraisal, Zillow/Redfin estimate, or comparative market analysis), total mortgage balance (all liens combined), monthly mortgage payment, interest rate, and home appreciation rate to determine: (1) Current equity amount and percentage (Home Value - Mortgage Balance), (2) LTV and CLTV ratios (critical for refinancing and second mortgage approval), (3) Maximum borrowable amount under 80% CLTV standard (conservative lender limit, typical for HELOCs and home equity loans) and 90% CLTV (aggressive lending, requires 750+ FICO score), (4) Monthly equity growth breakdown showing principal paydown from mortgage payments (e.g., $1,500 payment - $1,354 interest = $146 principal) and home appreciation contribution (3-5% annual average), (5) Future equity projections for 5-year and 10-year timelines accounting for compound appreciation and cumulative principal reduction. Displays usable equity for borrowing (not full equity, subtracts existing mortgage and safety margin), equity building pace (how quickly you gain $10k, $50k, $100k in equity), and optimal use scenarios (HELOC for renovations/ongoing expenses vs home equity loan for debt consolidation/one-time large purchases). Includes 80% vs 90% CLTV comparison (90% adds $20k-$50k borrowing power but higher interest rates and stricter approval), break-even analysis for cash-out refinance vs second lien (when to refinance entire mortgage vs keep low-rate first mortgage), and equity growth acceleration strategies (extra principal payments, home improvements adding value above cost, local market appreciation trends). Essential for homeowners planning renovations, debt consolidation, college funding, investment property down payments, or evaluating refinance timing. Shows realistic borrowing limits (lenders deny loans exceeding 85% CLTV even if equity exists), monthly equity accumulation timeline (reach 20% for PMI removal, 50% for reverse mortgage eligibility, 80% for maximum borrowing power), and 2025 rate environment impacts (9-10% HELOC rates vs 3-4% mortgage rates from 2020-2021 making second liens expensive). Critical for financial planning decisions: tap equity now at high rates vs wait for rate cuts, understand forced appreciation limits (renovations typically return 50-80% of cost in immediate equity), and avoid over-leveraging (keeping 20%+ equity cushion for market downturns).

Calculate whether to buy out your car lease at end of term or return the vehicle. Compare lease buyout price vs actual market value to identify equity opportunities or overpriced buyouts. Essential tool for lease-end decisions with 2025 market conditions. Evaluate financing options, negotiate buyout discounts, and analyze total cost of ownership. Includes residual value analysis, third-party buyout options, and equity extraction strategies for popular leases (Honda, Toyota, BMW, Mercedes).

Compare auto lease vs buy with total cost analysis, monthly payment comparison, equity/ownership tracking, mileage penalty calculations, and 5-year cost projections. Includes tax benefits, residual value analysis, and breakeven point calculator for cars, trucks, and SUVs in 2025.

Calculate loan origination fees, compare options, and analyze the true cost of borrowing with break-even analysis.

Calculate maximum mortgage amount you can afford based on income, debts, and down payment. Estimate home price range using 28/36 rule, DTI limits (43-50%), lender qualification standards, monthly payment caps, and property tax/insurance considerations for 2025.

Calculate true cost of merchant cash advance (MCA) financing for small businesses. Estimate total repayment, factor rates (1.1-1.5x), daily/weekly holdback percentages (5-20%), effective APR (40-350%), payback period, and compare MCA vs traditional business loans for 2025.

Calculate PenFed Credit Union mortgage payments, rates, and savings. Compare conventional loans (3% down, no PMI at 80% LTV), VA loans (0% down, no PMI), ARM options (5/5, 7/6), and jumbo loans. Estimate monthly P&I, property tax, insurance, and total costs for 2025.

Calculate HECM reverse mortgage proceeds with Principal Limit Factor (PLF), FHA MIP deductions, and payment options. Includes tenure payments, term payments, line of credit growth projections, set-aside requirements, and cost analysis for borrowers 62+ with comprehensive HUD compliance for 2025.

Calculate RV loan payments with up to 20-year financing terms for motorhomes, travel trailers, fifth wheels, and campers. Compare interest rates (5-9%), analyze total cost vs shorter terms, evaluate monthly payment affordability, and determine optimal loan structure for new and used RV purchases in 2025.

Calculate USAA mortgage payments, rates, and VA loan benefits. Compare conventional loans (3% down), VA loans (0% down, no PMI, 0% funding fee for disabled veterans), jumbo loans up to $2M, and refinance options. Estimate monthly P&I, property tax, insurance, and total costs for 2025.

Calculate VA cash-out refinance loan amounts, payments, and cash extraction for veterans and active military. Determine maximum cash-out based on 90% LTV limit, funding fee calculations (2.15%-3.3%), and break-even analysis with 2025 VA loan guidelines.

Calculate monthly payments for Adjustable Rate Mortgages (ARM) with changing interest rates.

Compare Home Equity Line of Credit (HELOC) with cash-out refinancing to determine the best option.

Calculate home equity loan payments, available equity, and LTV ratio. Compare borrowing options and estimate total interest costs for second mortgages.