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Financial Calculator, Free Online Calculators from, free loan calculator.#Free #loan #calculator


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Mortgage Calculator: Simple calculator for repayment & interest only mortgages, simple loan calculator.#Simple #loan #calculator


Ultimate Mortgage Calculator New!

8 calculators to compare mortgages, from ditching your fix to saving for a deposit

Simple loan calculator

Basic mortgage calculator

Shows the cost per month and the total cost over the life of the mortgage, including fees interest.

Total you’ll repay over full term

Could you get a cheaper rate?

Use the MSE’s Mortgage Best Buys Comparison to find the best deal for you.

Your mortgage debt over time

Your remaining debt

(assuming your interest rate stays the same)

The nerdy bit see how the debt is gradually paid off

In the first few years of the mortgage, you’re paying proportionally more interest, so the debt only reduces slowly, as the table above shows. However, making overpayments can eat into the debt and massively reduce the amount you repay in total as it means less interest overall (always check there aren’t overpayment penalties beforehand).

IMPORTANT! Please read.

This information is computer-generated and relies on certain assumptions. It has only been designed to give a useful general indication of costs.

It’s important you always get a specific quote from the lender and double-check the price yourself before acting on the information. We cannot accept responsibility for any errors (please report faults above).

Assumptions

In order to create these results, we have had to make a few assumptions:

  • 1) Interest is charged monthly.
  • 2) Interest rate stays the same over the term.
  • 3) If you selected ‘Interest only’, we assume your standard monthly payment doesn’t decrease even if you pay off some of the balance.

Martin’s FREE Printed Mortgage Help Booklets

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We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

  • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
  • Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first.
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  • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.

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Auto Loan Calculator, loan payoff calculator.#Loan #payoff #calculator


Auto Loan Calculator

Loan payoff calculator

$372.86 / Month

The Auto Loan Calculator considers the most vital factors in order to calculate auto loan information. It assumes that the full purchase price is accounted for whether as down payment or part of the loan, along with any fees involved. If only the monthly payment for any auto loan is given, use the Monthly Payments tab (reverse auto loan) to calculate the actual vehicle purchase price and other auto loan information.

Important: Tax and fee procedures apply to car purchases within the US only. Foreigners may still use the calculator, but please adjust accordingly.

There are different definitions for different prices when it comes to car buying such as MSRP (manufacturer’s suggested retail price), selling price, blue book price, and dealer price. For any recently purchased or sold car, input the final selling price as the “Auto Price” figure. For hypothetical loans involving cars not being bought or sold, use blue book prices to arrive at close estimates for the values of the cars.

Purchases of cars usually come with costs other than the purchase price. Car buyers with low credit scores might be forced to pay the hefty fees upfront. The following is a list of common fees associated with car purchases in the US.

  • Sales Tax Most states in the US collect sales tax for auto purchases.
  • Document Fees This is a fee collected by the dealer for processing documents like title and registration. Typically, they run between $150 and $300.
  • Title and Registration Fees This is the fee collected by states for vehicle title and registration. Most states charge less than $300 for title and registration.
  • Advertising Fees This is a fee that the regional dealer pays for promoting the manufacturer’s automobile in the dealer’s area. If not charged separately, advertising fees are included in the auto price. A typical price tag for this fee is a few hundred dollars.
  • Destination Fee This is a fee that covers the shipment of the vehicle from the plant to the dealer’s office. This fee is usually between $600 and $1,000.
  • Insurance In the US, auto insurance is strictly mandatory to be regarded as a legal driver on public roads and is usually required before dealers can process paperwork. When a car is purchased via loan and not cash, full coverage insurance is mandatory. Auto insurance can possibly run more than $1,000 a year for full coverage. Most auto dealers can provide short-term (1 or 2 months) insurance for paper work processing so new car owners can deal with proper insurance later.

Important: If the fees are bundled into the auto loan, remember to check the box ‘Include All Fees in Loan’. If they are paid upfront instead, leave it unchecked.

Quick Tip 1: Should an auto dealer package any mysterious special charges into a car purchase, please demand justification and thorough explanations for their inclusion. This is not to say that well-intentioned car salesmen don’t exist, but there is a reason why this particular group of people get a bad rap as some of the most untrustworthy and scheming around. After all, their mission is to squeeze as much profit out of a potential car selling scenario as possible.

Auto Loans

Many people cannot afford to purchase cars with straight cash, so they turn to auto loans instead. They work as any generic, secured loan from a financial institution does with a typical term of 36 or 60 months. Each month, repayment of principal and interest must be paid to auto loan lenders from borrowers, excluding other mandatory fees and taxes (unless they have been intentionally included into the loan). Money borrowed from a lender that isn’t paid back can legally entitle a car to being repossessed.

Direct Lending vs. Dealership Financing

There are two financing options available: direct lending or dealership financing. With the former, it comes in the form of a typical loan originating from a bank, credit union, or financial institution. Getting pre-approved through a credit union is usually the best option and offers the lowest rates, especially for lifelong, good standing members.

Quick Tip 2: To aid ability to negotiate the best deals, take steps towards achieving healthier credit scores before taking out large loans for car purchases. Free annual credit reports can be requested from one of the three credit agencies: Equifax, Experian, and TransUnion.

Once a contract has been entered with a car dealer to buy a vehicle, the loan is used from the direct lender to pay for it. Dealership financing is somewhat similar except that the paperwork is done through them instead. The contract is retained by the dealer, but is sold to a bank or other financial institution called an assignee that ultimately services the loan.

Quick Tip 3: Direct lending usually offers more flexibility because there is competition between involved lenders to offer the best interest rates to the borrower, and rates tend to be better. It also provides more leverage for someone to walk into a car dealer with most of the financing done on their terms, as it places further stress on the car dealer to compete with a better rate. Getting pre-approved doesn’t tie car buyers down to any one dealership, and their propensity to simply walk away is much higher. With dealer financing, the potential car buyer has fewer choices, though it’s there for convenience for anyone who doesn’t want to waste time shopping around.

Quick Tip 4: It can be helpful for prospective car buyers to determine how much they can afford to spend on a car and what types of cars are within their budget before actually heading to a dealership. Knowing what kind of vehicle is desired will make it easier to research and find the best deals that suits a buyer’s needs. Once a particular make and model is chosen, it can be important to have some typical going rates in mind to enable effective negotiations with a car dealer. Car dealers, like many businesses, want to make as much money as possible from a sale, but often, given enough negotiation, are willing to sell a car for significantly less than the price they initially offer. Depending on whether a buyer chooses to pay for the vehicle with monthly payments, the “Monthly Payment” tab of our Auto Loan Calculator can be used to calculate the “true” cost of the car. A monthly payment option often ends up being more expensive than buying the car outright. However, if buying the car outright is not an option, it is up to the buyer’s discretion to determine whether the need for a car sooner justifies the additional cost of making monthly payments rather than saving until a later date to avoid said monthly payments. Furthermore, although the allure of a new car is understandable, buying a pre-owned car even if only a few years removed from new can usually result in significant savings, and is an option that prospective car buyers can consider.

Trade-in Value

Don’t expect too much value when trading in old cars to dealerships as credit towards newer car purchases; exchange rates tend to float somewhere akin to auction house levels, way below blue book values. Selling old cars privately beforehand and using the funds for future car purchases tends to result in a more financially-desirable outcome. However, convenience is important for many people and they choose to simply trade them in to dealerships during new car purchases.

Within the states that collect sales tax on auto purchases, most of them collect based on the difference between the new car and trade-in price. For a $25,000 new car purchase with a $10,000 valued trade-in, the tax paid on the new purchase with an 8% tax rate is:

$25,000 – $10,000 = $15,000 8% = $1,200

This is the default method by which the Auto Loan Calculator will calculate sales tax in accordance with Trade-in Value. However, some states do not offer any sales tax reduction with trade-ins, and they are:

Using the same example above, whereas if the new car was purchased in one of the places above without a sales tax reduction for trade-ins, the sales tax would be:

This comes out to be an $800 difference, enticing more people in these places to sell cars to private parties instead.

Vehicle Rebates

Dealers may offer vehicle rebates to further incentivize buyers. When car manufacturers are pressured into getting rid of cars at lower profit margins, it can be inferred that they probably use rebates as a means of doing so.

Depending on the state, they may or may not be taxed accordingly. For example, purchasing a vehicle at $30,000 with a cash rebate of $2,000 will have sales tax calculated based on the original price of $30,000, not $28,000. Luckily, a good portion of states do not do this and don’t tax cash rebates. They are Alaska, Arizona, Delaware, Iowa, Kansas, Kentucky, Louisiana, Massachusetts, Minnesota, Missouri, Montana, Nebraska, New Hampshire, Oklahoma, Oregon, Pennsylvania, Rhode Island, Texas, Utah, Vermont, and Wyoming.

Generally, only purchases of new cars are offered rebates because of how uniform and consistent each new car is. Dealers know exactly to the cent where the breakeven point is and if they are still a wide margin over, they can incentivize a potential car buyer by offering a rebate. While some used car dealers do offer cash rebates, they are a rarity due to the difficulty of arriving at true value.

Quick Tip 5: New cars depreciate as soon as they are driven off the lot, sometimes by more than 10% of their values; this is called off-the-lot depreciation.


Student Loan Payoff vs, loan payoff calculator.#Loan #payoff #calculator


Student Loan Payoff vs. Invest Calculator

It’s an age-old question: Should you pay off your student loans or invest? The simplest answer is if your student loan debt has a higher interest rate than your expected return on investment, pay down your student loans first. If your investment earns a higher rate than your student loans will cost in interest, invest.

Many other variables, such as tax deductions and employer investment matching programs play into this equation. Use the Student Loan Payoff or Invest Calculator below to determine your repayment strategy.

Step 1: Current loan info

Student loan balance

Average interest rate

Current monthly payment

Step 2: Investment Info

Current retirement savings

Annual rate of return

Current monthly contribution

Years of contributions

Step 3: Extra

Monthly payment

On the other hand, if you decided to invest the extra $317 per month for , here are your results:

– yr years after you finish contributing. You can see the long term results below:

Loan payoff calculator

Student loan refinancing rates as low as % APR. Check your rate in 2 minutes.

Student Loan Payoff vs. Invest Calculator FAQs

1. Should I take the calculations from the Student Loan Payoff vs. Invest Calculator and apply them directly to my financial situation?

No. The calculations here are for estimation purposes only. It s important to note that this calculator in particular also factors in a lot of assumptions that may not hold true, such as annual expected return on investments as well as long-term tax rates. Additionally, there are other factors that this calculator cannot account for. As always, we recommend consulting a finance or tax professional when it comes to making your own financial decisions.

2. What value do I use for the Extra Money Payment Amount field?

This calculator assumes that you have extra money left over each month after you pay your monthly student loan bill. Enter the amount you have left over in the Extra Money Payment Amount, field. The calculator will then calculate where it may be best for you to apply this money (towards your student loans or an investment account).

If you do not have any money left over in your budget after paying your student loans, this calculator will not be helpful to you.

3. How do I make extra payments on my student loans and make sure the payments are applied correctly?

Check out this blog post to find out.

4. If I want to invest my money, how and where can I do that?

You can check out various investment options with our partners in the Student Loan Hero Marketplace.

  1. Prepaying student loans may be better than investing.
  2. Investing may be better than prepaying student loans.

FinAid, Calculators, Loan Calculator, simple loan calculator.#Simple #loan #calculator


simple loan calculator

Simple loan calculator

Simple loan calculator

Simple loan calculatorSimple loan calculator

Simple loan calculator

Simple loan calculator

Simple loan calculator

Simple loan calculator

Simple loan calculator

Simple loan calculator

Simple loan calculator

Simple loan calculator

Simple loan calculator

Simple loan calculator

Simple loan calculator

Simple loan calculator

This Loan Payment Calculator computes an estimate of the size of your monthly loan payments and the annual salary required to manage them without too much financial difficulty. This loan calculator can be used with Federal education loans (Stafford, Perkins and PLUS) and most private student loans. (This student loan calculator can also be used as an auto loan calculator or to calculate your mortgage payments.)

This loan calculator assumes that the interest rate remains constant throughout the life of the loan. The Federal Stafford Loan has a fixed interest rate of 6.8% and the Federal PLUS loan has a fixed rate of 7.9%. (Perkins loans have a fixed interest rate of 5%.)

This loan calculator also assumes that the loan will be repaid in equal monthly installments through standard loan amortization (i.e., standard or extended loan repayment). The results will not be accurate for some of the alternate repayment plans, such as graduated repayment and income contingent repayment.

Loan fees are used to adjust the initial loan balance so that the borrower nets the same amount after the fees are deducted.

Some educational loans have a minimum monthly payment. Please enter the appropriate figure ($50 for Stafford Loans, $40 for Perkins Loans and $50 for PLUS Loans) in the minimum payment field. Enter a higher figure to see how much money you can save by paying off your debt faster. It will also show you how long it will take to pay off the loan at the higher monthly payment. You can also calculate private student loan eligibility on comparison sites like Credible.

The questions concerning enrollment status, degree program and total years in college are optional and are designed to evaluate whether the total debt is excessive. The total years in college should include the total number of years in college so far (or projected) corresponding to the loan balance, including previous degrees received.


Mortgage Payment Calculator, CNNMoney, monthly mortgage calculator.#Monthly #mortgage #calculator


What will your mortgage payment be?

This mortgage calculator from LendingTree is an estimate only and is not intended to be interpreted as a firm offer to lend funds. Please contact LendingTree to find a lender to give a loan quote specific to your situation.

  • Monthly mortgage calculator

Was my home a good investment?

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  • Monthly mortgage calculator

    Your local real estate market forecast

    Monthly mortgage calculator

    Monthly mortgage calculator

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  • FinAid, Calculators, Loan Calculator, loan payment calculator car.#Loan #payment #calculator #car


    loan payment calculator car

    Loan payment calculator car

    Loan payment calculator car

    Loan payment calculator carLoan payment calculator car

    Loan payment calculator car

    Loan payment calculator car

    Loan payment calculator car

    Loan payment calculator car

    Loan payment calculator car

    Loan payment calculator car

    Loan payment calculator car

    Loan payment calculator car

    Loan payment calculator car

    Loan payment calculator car

    Loan payment calculator car

    Loan payment calculator car

    This Loan Payment Calculator computes an estimate of the size of your monthly loan payments and the annual salary required to manage them without too much financial difficulty. This loan calculator can be used with Federal education loans (Stafford, Perkins and PLUS) and most private student loans. (This student loan calculator can also be used as an auto loan calculator or to calculate your mortgage payments.)

    This loan calculator assumes that the interest rate remains constant throughout the life of the loan. The Federal Stafford Loan has a fixed interest rate of 6.8% and the Federal PLUS loan has a fixed rate of 7.9%. (Perkins loans have a fixed interest rate of 5%.)

    This loan calculator also assumes that the loan will be repaid in equal monthly installments through standard loan amortization (i.e., standard or extended loan repayment). The results will not be accurate for some of the alternate repayment plans, such as graduated repayment and income contingent repayment.

    Loan fees are used to adjust the initial loan balance so that the borrower nets the same amount after the fees are deducted.

    Some educational loans have a minimum monthly payment. Please enter the appropriate figure ($50 for Stafford Loans, $40 for Perkins Loans and $50 for PLUS Loans) in the minimum payment field. Enter a higher figure to see how much money you can save by paying off your debt faster. It will also show you how long it will take to pay off the loan at the higher monthly payment. You can also calculate private student loan eligibility on comparison sites like Credible.

    The questions concerning enrollment status, degree program and total years in college are optional and are designed to evaluate whether the total debt is excessive. The total years in college should include the total number of years in college so far (or projected) corresponding to the loan balance, including previous degrees received.


    Mortgage Calculator: Calculate Your Monthly Mortgage Payment, monthly mortgage calculator.#Monthly #mortgage #calculator


    Mortgage Calculator

    • Monthly Payment (Principal and Interest)

    Mortgage calculator for your home loan

    This mortgage calculator will show how much your monthly mortgage payment would be, including your amortization schedule. See how much you could save by prepaying some of the principal. Find out your home loan breakdown now by using this simple and free mortgage calculator.

    NOTE: This calculator updates automatically as you move from field to field using the “tab” key. If you’re entering prepayment information, click the “calculate” button to see the final results.

    A mortgage amortization calculator shows how much of your monthly mortgage payment will go toward principal and interest over the life of your loan. The loan calculator also lets you see how much you can save by prepaying some of the principal.

    How to use the loan amortization calculator

    With HSH.com’s home loan calculator, you enter the features of your mortgage: amount of the principal loan balance, the interest rate, the home loan term, and the month and year the loan begins.

    Your initial display will show you the monthly mortgage payment, total interest paid, breakout of principal and interest, and your mortgage payoff date.

    Most of your mortgage loan payment will go toward interest in the early years of the loan, with a growing amount going toward the loan principal as the years go by – until finally almost all of your payment goes toward principal at the end. For instance, in the first year of a 30-year, $250,000 mortgage with a fixed 5% interest rate, $12,416.24 of your payments goes toward interest, and only $3,688.41 goes towards your principal. To see this, click on “Payment chart” and mouse over any year.

    Clicking on “Amortization schedule” reveals a display table of the total principal and interest paid in each year of the mortgage and your remaining principal balance at the end of each calendar year. Clicking the “+” sign next to a year reveals a month-by-month breakdown of your costs.

    Click “calculate” to get your monthly payment amount and an amortization schedule.

    The effect of prepayments

    Now use the mortgage loan calculator to see how prepaying some of the principal saves money over time. The calculator allows you to enter a monthly, annual, bi-weekly or one-time amount for additional principal prepayment.To do so, click “+ Prepayment options.”

    Let’s say, for example, you want to pay an extra $50 a month. Using the $250,000 example above, enter “50” in the monthly principal prepayment field, then either hit “tab” or scroll down to click “calculate.” Initial results will be displayed under “Payment details,” and you can see further details in either the “Payment chart” or “Amortization schedule” tabs.

    You may also target a certain loan term or monthly payment by using our mortgage prepayment calculator. Of course you’ll want to consult with your financial advisor about whether it’s best to prepay your mortgage or put that money toward something else, such as retirement.

    HSH.com has developed a host of other free mortgage calculators to help answer your other questions, such as, “Can I qualify for a mortgage,” “Will prepaying my mortgage help me save money,” “How large of a down payment do I really need,” “What s the best way to pay for my refinance,” and “When will my home no longer be underwater?” See all of HSH.com’s mortgage calculators.

    This is the dollar amount of the mortgage you are borrowing. (Hitting “tab” after entering information in any field will automatically update the calculations.)

    The loan’s interest rate. Along with the term, this is the key factor used by the mortgage payment calculator to determine what your monthly payment will be. To see where rates are right now, click on the “See today’s average rates” link to the right of the field, where you can also find offers from our advertising partners.

    Mortgage loans come in a range of terms. Fixed rate mortgages are most often found in 30, 20, 15 and 10-year terms; Adjustable Rate Mortgages usually have total terms of 30 years, but the fixed interest rate period is much shorter than that, lasting from 1 to 10 years.

    To get the most accurate calculations, use the month and year in which your very first mortgage payment was due (or will be due). If you don’t yet have a mortgage, the current month and year will work just fine.

    This display shows the monthly mortgage payment, total interest paid, breakout of principal and interest, and your mortgage payoff date.

    This display shows you the total principal and interest paid in each year of the mortgage and your remaining principal balance at the end of each calendar year.

    While this display table also shows you the total principal and interest paid in each year of the mortgage and your remaining principal balance at the end of each calendar year, clicking the “+” sign next to a year reveals a month-by-month breakdown of your costs.

    In this optional section, you can add in a regular monthly prepayment amount, re-set the calculator to show bi-weekly payments and savings, or even do a one-time prepayment to see how it affects the cost of your home loan.

    Monthly mortgage calculator


    Car Payment Calculator, Car Affordability Calculator, NADAguides, monthly payment calculator.#Monthly #payment #calculator


    Car Payment and Affordability Calculator

    When you’re in the market for new or used cars, it can get rather daunting when you have no idea where to start. One of the keys to a successful car purchase is knowing what you can afford. This car payment calculator takes all the hard work out of making a sound financial decision. Simply enter in your desired monthly payment or vehicle price and it will return your results. In addition to finding results, we will present you with a list of recommended vehicles that is tailored to your budget.

    Monthly payment calculator

    Monthly payment calculator

    Monthly payment calculator

    Monthly payment calculator

    Monthly payment calculator

    Monthly payment calculator

    Monthly payment calculator

    Monthly payment calculator

    Monthly payment calculator

    Monthly payment calculator

    Monthly payment calculator

    Monthly payment calculator

    Car Payment and Affordability Calculator Help

    Auto Ownership Education Center

    This tool provides estimated monthly payments and estimated APRs for illustrative purposes only. Actual price and payments may be different due to local rebates, specials, fees, and credit qualifications. Consult your dealer for actual price, payments, and complete details.

    Pricing shown may exclude a document fee, destination/delivery charge, taxes, title, registration, service contracts, insurance or any outstanding prior credit balances. Optional equipment not included. Option pricing is based on the manufacturer’s suggested retail price.

    For purposes of calculating your monthly payment, the estimated Manufacturer’s Suggested Retail Price (MSRP) was used. Not all terms are available in all areas. Terms may vary based on creditworthiness.

    The price shown is for qualified, eligible customers. Actual dealer price will vary.

    Many variables, including current market conditions, your credit history and down payment will affect your monthly payment and other terms. See your local dealer for actual pricing, annual percentage rate (APR), monthly payment and other terms and special offers. Pricing and terms of any finance or lease transaction will be agreed upon by you and your dealer.

    The estimated monthly payment is based upon the credit rating of 800.

    An APR is the cost of your credit as a yearly rate. User APR Payment calculations are based an APR and term. The initial APR is provided for estimation purposes only and you may change it at any time. However, you may not be able to finance your vehicle at this rate. See your local dealer for details and actual available terms and conditions.

    You may not be able to finance your vehicle at the rate provided.

    Incentives and Rebates

    Incentive and finance offers shown may not be available to all customers. Incentives lists are examples of offers available at the time of posting and are subject to change.

    Not all incentives can be redeemed together. To take advantage of rebates, incentives and/or financing offers you may be required to take new retail delivery from dealer stock by the expiration date noted.

    The “Net Trade-in” is an estimate only and many factors that cannot be assessed without a physical inspection of the vehicle may affect actual value. NADAguides is not responsible for and does not guarantee the \”Net Trade-in\” information. Please see your local dealer for information regarding actual trade-in availability and value.

    Your ZIP Code helps us calculate your payments and offers.

    Photos, Pictures and Vehicle Images

    Images shown may not necessarily represent the actual vehicle used to calculate the estimate. Vehicles shown may have optional equipment at additional cost.


    Mortgage Calculator: Calculate Your Monthly Mortgage Payment, monthly payment calculator.#Monthly #payment #calculator


    Mortgage Calculator

    • Monthly Payment (Principal and Interest)

    Mortgage calculator for your home loan

    This mortgage calculator will show how much your monthly mortgage payment would be, including your amortization schedule. See how much you could save by prepaying some of the principal. Find out your home loan breakdown now by using this simple and free mortgage calculator.

    NOTE: This calculator updates automatically as you move from field to field using the “tab” key. If you’re entering prepayment information, click the “calculate” button to see the final results.

    A mortgage amortization calculator shows how much of your monthly mortgage payment will go toward principal and interest over the life of your loan. The loan calculator also lets you see how much you can save by prepaying some of the principal.

    How to use the loan amortization calculator

    With HSH.com’s home loan calculator, you enter the features of your mortgage: amount of the principal loan balance, the interest rate, the home loan term, and the month and year the loan begins.

    Your initial display will show you the monthly mortgage payment, total interest paid, breakout of principal and interest, and your mortgage payoff date.

    Most of your mortgage loan payment will go toward interest in the early years of the loan, with a growing amount going toward the loan principal as the years go by – until finally almost all of your payment goes toward principal at the end. For instance, in the first year of a 30-year, $250,000 mortgage with a fixed 5% interest rate, $12,416.24 of your payments goes toward interest, and only $3,688.41 goes towards your principal. To see this, click on “Payment chart” and mouse over any year.

    Clicking on “Amortization schedule” reveals a display table of the total principal and interest paid in each year of the mortgage and your remaining principal balance at the end of each calendar year. Clicking the “+” sign next to a year reveals a month-by-month breakdown of your costs.

    Click “calculate” to get your monthly payment amount and an amortization schedule.

    The effect of prepayments

    Now use the mortgage loan calculator to see how prepaying some of the principal saves money over time. The calculator allows you to enter a monthly, annual, bi-weekly or one-time amount for additional principal prepayment.To do so, click “+ Prepayment options.”

    Let’s say, for example, you want to pay an extra $50 a month. Using the $250,000 example above, enter “50” in the monthly principal prepayment field, then either hit “tab” or scroll down to click “calculate.” Initial results will be displayed under “Payment details,” and you can see further details in either the “Payment chart” or “Amortization schedule” tabs.

    You may also target a certain loan term or monthly payment by using our mortgage prepayment calculator. Of course you’ll want to consult with your financial advisor about whether it’s best to prepay your mortgage or put that money toward something else, such as retirement.

    HSH.com has developed a host of other free mortgage calculators to help answer your other questions, such as, “Can I qualify for a mortgage,” “Will prepaying my mortgage help me save money,” “How large of a down payment do I really need,” “What s the best way to pay for my refinance,” and “When will my home no longer be underwater?” See all of HSH.com’s mortgage calculators.

    This is the dollar amount of the mortgage you are borrowing. (Hitting “tab” after entering information in any field will automatically update the calculations.)

    The loan’s interest rate. Along with the term, this is the key factor used by the mortgage payment calculator to determine what your monthly payment will be. To see where rates are right now, click on the “See today’s average rates” link to the right of the field, where you can also find offers from our advertising partners.

    Mortgage loans come in a range of terms. Fixed rate mortgages are most often found in 30, 20, 15 and 10-year terms; Adjustable Rate Mortgages usually have total terms of 30 years, but the fixed interest rate period is much shorter than that, lasting from 1 to 10 years.

    To get the most accurate calculations, use the month and year in which your very first mortgage payment was due (or will be due). If you don’t yet have a mortgage, the current month and year will work just fine.

    This display shows the monthly mortgage payment, total interest paid, breakout of principal and interest, and your mortgage payoff date.

    This display shows you the total principal and interest paid in each year of the mortgage and your remaining principal balance at the end of each calendar year.

    While this display table also shows you the total principal and interest paid in each year of the mortgage and your remaining principal balance at the end of each calendar year, clicking the “+” sign next to a year reveals a month-by-month breakdown of your costs.

    In this optional section, you can add in a regular monthly prepayment amount, re-set the calculator to show bi-weekly payments and savings, or even do a one-time prepayment to see how it affects the cost of your home loan.

    Monthly payment calculator