Before-You-Sign Checklist
Use a before-you-sign checklist to verify price, payment, renewal, cancellation, disputes and the complete document set.
Open calculatorLoan, home and insurance calculators
Use these free tools to model a financial tradeoff, inspect the formula and print a result. They are educational estimates - Not quotes, approvals or recommendations.
Choose the calculation that matches your document
Start with the task you need to complete. Each tool names its inputs, result and limits before you use the number in a decision.
Loan Comparison Calculator
Use the loan comparison calculator to compare up to three fixed-rate offers by payment, scheduled interest, fees and total repayment.
Open calculatorHome Affordability Stress-Test Calculator
Use the home affordability calculator to stress-test income, complete housing costs, maintenance, essential spending and a monthly safety buffer.
Open calculatorClosing Cost Calculator and Worksheet
Build an itemized cash-to-close estimate from down payment, loan costs, prepaids, deposits and credits while preserving a post-closing reserve.
Open calculatorPMI Break-Even Calculator
Use the PMI break-even calculator to compare a larger down payment with monthly mortgage insurance, its expected duration and time needed to save.
Open calculatorInsurance Deductible Break-Even Calculator
Compare yearly premium savings with the extra cash you would need after a claim if you choose a higher deductible.
Open calculatorMortgage Points Break-Even Calculator
Use the mortgage points calculator to compare upfront points with monthly principal-and-interest savings and the expected holding period.
Open calculatorExtra Loan Payment Calculator
Estimate how a recurring extra principal payment changes payoff time and scheduled interest using the current balance, rate and remaining term.
Open calculatorCar Total Cost Calculator
Calculate car total cost from the out-the-door price, financing, insurance, fuel, maintenance and expected resale value.
Open calculatorLease vs. Buy Car Calculator
Use the lease-versus-buy calculator to compare matched car cash outflows, monthly costs and estimated end value over the same ownership period.
Open calculatorLoan Fee and Net Proceeds Calculator
Calculate how an origination fee changes usable loan proceeds, the scheduled payment and total repayment on the stated loan amount.
Open calculatorBalloon Payment Calculator
Estimate the balance due on a balloon loan. See what remains when the payment schedule runs longer than the time before payoff.
Open calculatorVariable-Rate Loan Stress-Test Calculator
Use the variable-rate stress calculator to compare today’s estimated payment with a higher-rate scenario on the same balance and remaining term.
Open calculatorClosing Disclosure Comparison Calculator
Compare a Loan Estimate with the final Closing Disclosure. Find higher costs, lower credits and other changes to question.
Open calculatorHome Maintenance Reserve Calculator
Plan how much to set aside for home upkeep. Combine a value-based starting point with repairs found during inspection.
Open calculatorNegative Equity Rollover Calculator
Calculate how negative equity rollover changes the new amount financed, monthly payment and scheduled interest.
Open calculatorFinanced Add-On Cost Calculator
Use the financed add-on cost calculator to estimate the payment, interest and complete repayment cost when a dealer product is rolled into an auto loan.
Open calculatorLiability Coverage Gap Calculator
Test one large loss against the policy limits you enter. See the amount that coverage and available cash may not meet.
Open calculatorContract Cancellation Deadline Planner
Find a safe date to send a cancellation notice. Work back from renewal using the contract's notice period and a delivery buffer.
Open calculatorPost-Home-Purchase Reserve Calculator
Measure cash remaining after a home purchase, setup and immediate repairs against essential expenses and a chosen reserve target.
Open calculatorTransparent calculator assumptions
Each result exposes its inputs and limitations. We do not store calculator entries, pre-qualify visitors, or transmit the numbers to lenders or insurers.
Review formulas and rounding