Financial Calculators

Plug in your numbers.
Get a straight answer.

Every tool here does one thing, shows its math, and gets out of your way. No lead forms, no account, no lender calling you tomorrow.

Mortgage

Should I Refinance?

Compare your current mortgage to a refinance offer — fresh 30-year or match your remaining term — with a real breakeven month and a total-interest comparison that doesn't hide behind the lower payment.

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Auto

Car Loan Ledger

Refinance the auto loan you have, or estimate payments on a new purchase — price, trade-in, tax, and a clear principal-vs-interest split.

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Mortgage

Should I Pay Points?

Weigh the upfront cost of buying down your rate against what it actually saves you monthly — checked against how long you'll likely keep the loan.

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Mortgage

How Much House Can I Afford?

Work backward from income and debt to a realistic price, with property tax and insurance actually factored in — not bolted on after.

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Mortgage

Should I Make Extra Payments?

See how much time and interest extra principal payments actually save you.

Coming soon
Home Equity

HELOC vs. Cash-Out Refinance

Compare both ways to pull equity out of your home, side by side.

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Housing

Rent vs. Buy

Compare renting against buying over time, opportunity cost included.

Coming soon
Debt

Debt Consolidation Calculator

See if combining multiple debts into one loan actually saves you money.

Coming soon
Auto

Should I Lease or Buy?

Compare a lease against a loan for the same vehicle, total cost included.

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Home Improvement

Home Improvement Payback

Solar, HVAC, windows — find the breakeven month on any upgrade with a monthly savings estimate.

Coming soon