Choose your starting point
I need a borrowing range
Start with affordability when the question is what payment fits your budget before you choose the loan size.
I need a monthly payment
Use the loan or mortgage calculator first when you already know amount, rate, and term.
I need a payment-by-payment schedule
Open the amortization schedule when payoff timing, extra payments, or exportable rows matter.
I need DTI or burden check
Use DTI alone for a simple ratio, or the mortgage burden checker when you want ratio plus planned payment.
I need to compare mortgage scenarios
Use the mortgage calculator after you know down payment, term, and the comparison cases you want to test.
Most common first steps
If you only open one page first, start from one of these three paths.
Calculators
- Credit card minimum payment simulator – payoff time.
Estimate months to payoff and total interest by entering balance, APR, and your card’s minimum payment policy (rate.
- Debt-to-income (DTI) ratio calculator.
Enter monthly income and monthly debt payments to compute your DTI percentage and a quick category label.
- EMI calculator (loan EMI, monthly payment).
Calculate EMI (Equated Monthly Installment) from principal, annual interest rate, and term.
- Loan amortization schedule (with CSV export).
Build an amortization schedule with principal, interest, and balance per payment. Model extra payments and export.
- Biweekly loan amortization schedule (CSV export).
Compute a biweekly amortization schedule (26 payments/year), include extra payments, and export the table to CSV.
- Mortgage and Loan Repayment Burden Checker.
Check your debt-to-income (DTI) ratio for a planned mortgage and other loans, and estimate how much you can safely.
- Interest Rate Converter (APR, APY, EAR).
Use this interest rate converter to switch between APR, APY/EAR, monthly, and daily rates, or run the reverse.
How to move from one tool to the next
- AffordabilityStart here when the real decision is what you can safely borrow.
- Loan calculatorMove here once amount, rate, and term are known and you need a quick payment estimate.
- Loan scheduleOpen next when you need payment-by-payment principal, interest, and extra-payment timing.
- Mortgage burden checkerUse this to check DTI together with your planned mortgage payment and other debts.
FAQ
Which calculator should I use first for a home purchase?
Start with affordability if you need a borrowing range, then move to mortgage or loan schedule after you know the payment you can carry.
When should I use the mortgage calculator instead of the loan calculator?
Use the mortgage calculator when down payment, property price, or mortgage-specific scenario comparisons matter. Use the basic loan calculator for a faster payment estimate when you already know principal, rate, and term.
When should I use DTI or the mortgage burden checker?
Use DTI when you only need the debt-to-income ratio. Use the mortgage burden checker when you want that ratio together with a planned mortgage payment and other debts.
What should I compare before I trust a loan scenario?
Keep rate basis, payment frequency, taxes or insurance assumptions, and extra payments aligned. Then compare one changed assumption at a time.
Related hubs
- Real estate calculatorsGo here when rent-vs-buy, property taxes, or closing-cost questions are part of the decision.
- Bonds & ratesUse this when the real question is interest-rate conversion or rate sensitivity.
- Finance function calculatorsOpen this for PV, FV, PMT, NPV, IRR, and rate-conversion workflows around the same decision.
- Tax calculatorsOpen this when fees, tax-inclusive totals, or deductions matter more than the loan structure itself.