Plan Major U.S. Money Decisions With Clear Assumptions

Estimate principal and interest plus optional property tax, homeowners insurance, HOA dues and a modeled PMI amount.

Estimate a planning home-price range from income, monthly debts, down payment and a user-selected debt-to-income assumption.

Compare an existing mortgage with a proposed refinance and estimate monthly savings, closing-cost break-even and modeled interest difference.

Estimate upfront mortgage-point cost, monthly payment savings and a simple break-even period.

Create a planning estimate for closing costs and cash to close using editable percentage and prepaid assumptions.

Estimate a modeled monthly private mortgage insurance amount from loan-to-value and an editable annual PMI-rate assumption.

Estimate interest-only draw-period payment and an amortized repayment-period payment for a home equity line of credit.

Estimate monthly payment, total interest and optional closing-cost impact for a fixed home equity loan.

Compare a modeled existing-debt payoff with a consolidation loan, including an optional origination fee deducted from proceeds.

Estimate payoff time and interest for a credit-card balance, or calculate a payment needed for a target payoff term.

Calculate revolving credit utilization and the payment needed to reach a selected target utilization.

Estimate an annualized borrowing-cost rate from net proceeds, payment and term when an upfront fee reduces the cash you receive.

Estimate an out-of-pocket deductible and claim amount after deductible using a flat-dollar or dwelling-percentage planning assumption.