LoanQuantum: Mortgage & Loan

See your real monthly payment before you borrow. LoanQuantum is a free mortgage and loan calculator for US home buyers, car shoppers, students and anyone paying down debt. MORTGAGE CALCULATOR WITH TAXES, INSURANCE, PMI AND HOA • Your full monthly payment (PITI): principal and interest, property tax, home insurance, PMI and HOA dues • PMI estimated when you put less than 20% down, and the month it ends (78% loan-to-value) • Extra monthly or yearly payments: see the interest you save and how much sooner you are mortgage-free • Amortization schedule year by year and a balance chart • Download a PDF report or an Excel schedule to share with a partner or lender AUTO LOAN CALCULATOR • Vehicle price, down payment, trade-in and what you still owe on it (negative equity) • Your state's sales tax, title and dealer fees, financed or paid at signing • Monthly car payment, total interest and the true total cost of the car PERSONAL AND STUDENT LOANS • Personal loan payment by APR and term • Student loans with years left in school, grace period, subsidized loans, and what happens to unpaid interest REFINANCE CALCULATOR • New payment, monthly savings and your break-even month after closing costs • Interest saved and lifetime savings, with current and new balance side by side DEBT PAYOFF PLANNER • Add credit cards and loans, set one monthly budget • Compare the avalanche (highest rate first) and snowball (smallest balance first) methods • Your debt-free date, payoff order and interest saved versus paying only the minimums COMPARE LOAN OFFERS • Up to three offers side by side: monthly payment, total interest, total cost and payoff date • See which offer really costs the least, even when its payment is higher HOW MUCH HOUSE CAN I AFFORD • Comfortable and stretch price for a home or car from your income, debts and credit score • Debt-to-income and housing ratios explained the way lenders look at them QUANTUM COPILOT • Ask loan questions in plain English and get answers with the numbers worked out SAVE AND COME BACK • Save any calculation to your free account and open it on any device Results update as you type or let go of a slider. Every figure is calculated by the same engine as loanquantum.com, so the app, the website and your reports always agree. • LoanQuantum gives estimates for education only. It is not a lender, does not offer loans and is not financial advice. Your actual rate, payment and costs depend on the lender and your credit. Privacy policy: https://www.loanquantum.com/privacy-policy/