Ten(10) Mortgage & Loan Calculators

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Mortgage / Loan Calculators

  1. Monthly Payment Loan Calculator
    This is the main and most commonly used loan calculator.  Use it to calculate many types of loans (mortgage, auto...).  It will calculate your monthly payment amount, interest rate, length of loan, or the principal amount of the loan.  You can get an amortization schedule in different formats.

  2. Loan Calculator with Extra Payment Options
    This is very similar to my regular loan calculator.  However, instead of just being able to input extra monthly payments, you have the option to input extra quarterly, semiannual, annual or one time only payments -- and print out an amortization schedule.

  3. Balloon Payment Calculator
    With this balloon payment calculator you can get the monthly and balloon payment or just the balloon payment itself.  It's also useful as a payoff calculator.

  4. Weekly Payment Loan Calculator
    ...self explanatory...

  5. Quarterly Payment Loan Calculator
    ...self explanatory...

  6. Semi-Annual Payment Loan Calculator
    ...self explanatory...

  7. Annual Payment Loan Calculator
    ...self explanatory...

  8. Fixed Principal Payment Loan Calculator
    This Loan Calculator deals with a fixed principal payment and varying interest payment.  Therefore, the payment is different (and decreases) each month.  Use it as an interest only loan calculator by entering 0 in the 'Payment' field, or a principal only loan calculator by entering 0 in the 'Interest Rate' field.

Savings / Investment Calculators

  1. Savings / Investment Calculator
    This is my most comprehensive calculator.  Use it as a present/future value calculator to calculate many different scenarios.  You can solve for the present value, future value, # of years, interest rate (with several compounding periods), and contribution or withdrawal amounts.  You can also print out a schedule.  Then, if you want, you can find out the effects of inflation or deflation and what's needed to offset your values.

  2. College Savings / Withdrawal Calculator

Retirement Calculators

  1. 401(k) Calculator
    Find out what the value of your 401(k) plan may be in the future...

  2. Retirement Savings Calculator
    This will answer the question...  How much do I need to save for retirement?

  3. Retirement Withdrawal Calculator
    If you're already retired or very close to retirement and don't have the time or resources to alter your savings balance, this is the calculator to use.  It will tell you how much you can spend each year to maintain your inflation adjusted purchasing power and to make your money last.

  4. Retirement % Withdrawal Calculator
    I hear so many people say that they are going to withdraw a certain percent of their savings for retirement.  When I ask what they mean by that, they really aren't quite sure.  The options could be to take a percentage of the initial balance, or to take a percentage of the balance at the beginning of each year, or to take a percentage of the initial balance and adjust that annually for inflation.  I wanted to see the ramifications of each method, so I created this calculator.  If you really study the numbers, it will tell you a lot!
    It is designed to help you plan for retirement if you know how much money you'll have when you retire and you want to withdraw an amount stated as a percentage.  It will tell you if your annual withdrawal, based on the method you choose, will keep up with inflation and if your money will last through your retirement.
    This is not necessarily a retirement "planning" calculator, but if you want to goof around with the numbers to see the outcome, this is the calculator to use.
  1. Retirement Savings/Withdrawal Calculator
    I haven't come up with a good description for this calculator.  It's kind of a combination of my second and third retirement calculators, except that you fill in all but one option and solve for the last.  Try it out and you'll see what I mean...

  2. Supplemental Retirement Income Calculator
    This calculator is designed to help you find the amount needed to supplement your monthly retirement income (beyond Social Security and/or pension income).  It will tell you how long your money will last and how much of your savings you'll need to supplement your retirement income and maintain your inflation adjusted purchasing power.
    The interesting thing about this calculator is that you can adjust your Social Security and/or Pension income at different rates.  It's nice if your income is growing at a different rate than inflation.

  3. Retirement Plan Calculator
    This Retirement Plan Calculator is a bit like my 401(k) Calculator except that the employer contribution starts at a certain percent of salary and increases annually until it reaches a set maximum employer contribution.  This sounds more complicated than it really is.  Check it out.  You'll see what I mean...

  4. Retirement Plan1 Calculator

Other Calculators

  1. Rate-Yield Calculator
    Compound interest seems to be a difficult thing for many to understand.
    Get the APR (annual percentage rate) and/or APY (annual percentage yield) here.

  2. Credit Card Payment Calculator
    This calculator is for those of you who want to pay off your credit card.  It assumes you will not charge anything more to it.  It's also a good look at what you're actually paying in finance charges - given different scenarios.

  3. Landscape Materials Calculator
    Self explanatory...

  4. Basic Calculator
    ...add, subtract, multiply, divide... The easy one!

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