Mortgage Calculator
Full payment breakdown with amortization, PMI, taxes, and extra payments
Loan Details
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Monthly Costs
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Extra Payments (Optional)
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Advanced Options
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Include PMI until 20% equity reached
Monthly Payment
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P&I + taxes + insurance
Principal & Interest
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Base payment
Total Interest
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Over life of loan
Total Cost
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All payments combined
Payoff Date
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Interest Saved
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Via extra payments
Principal
Interest
Property Tax
Insurance
PMI
HOA
Amortization Schedule
| Year | Principal | Interest | Extra Paid | Balance |
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Savings Calculator
Daily, weekly, monthly or annual deposits with compound growth projection
Starting Position
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Regular Contributions
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Time & Goals
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Annual Adjustments
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Show inflation-adjusted (real) value
Final Balance
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Nominal value
Total Contributed
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Your deposits
Interest Earned
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Compound growth
Goal Reached
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Target date
Real Value
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Inflation-adjusted
Effective APY
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After compounding
Growth Over Time
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Child Savings Account Calculator
Project your child's account growth at ages 18, 21, 25 and 65
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About Child Savings Accounts
Signed into law July 4, 2025 as part of the "One Big Beautiful Bill Act." Every U.S. citizen born Jan 1, 2025 – Dec 31, 2028 receives a $1,000 government seed deposit invested in low-cost U.S. equity index funds. Parents can add up to $5,000/year. Funds are locked until age 18, then available for education, a first home purchase, or starting a business. Accounts open for contributions July 2026.
Account Setup
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Monthly Contributions
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Growth Assumptions
Total You Contributed
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Your deposits only
Market Growth
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Compound returns
Total at Age 65
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Retirement value
Account Growth Over Time
| Age | Year | Annual Contrib. | Interest Earned | Balance |
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Disclaimer: Projections are for illustrative purposes only and do not guarantee future results. Returns are based on historical S&P 500 averages and may vary. Child Savings Accounts are invested in U.S. equity index funds subject to market risk. Withdrawals may be subject to taxes. Consult a financial advisor for personalized guidance. Child Savings Account rules per the "One Big Beautiful Bill Act" signed July 4, 2025.
Mortgage Payoff Accelerator
See exactly how much interest and time you save by paying extra on your existing mortgage
Your Current Mortgage
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Extra Payment Strategy
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Compare Multiple Scenarios
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Interest Paid: Base vs. Extra Payments
Year-by-Year Comparison
| Period | Base Balance | With Extra | Balance Diff | Int. Saved (Cumul.) |
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Auto Loan Calculator
Full payment breakdown, loan comparison, trade-in, taxes & fees, and extra payment savings
💡 Pro tip: Before you calculate, find out what others actually paid for your car on TrueCar — it's free.
Visit TrueCar →
Loan Details
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Loan 2 — Compare
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🚗 Car Buying Tips — Save Thousands
✅ Get pre-approved first
Get a loan offer from your bank or credit union before stepping foot on the lot. Dealers match or beat it — you have leverage.
✅ Negotiate the car price, not the payment
Dealers love to focus on monthly payments. Always negotiate the out-the-door price first, then discuss financing separately.
✅ Know your trade-in value
Check Kelley Blue Book and CarMax offers before the dealership appraises your trade-in. Sell privately for the most money.
✅ Shorter term = less total interest
A 36 or 48-month loan costs significantly less in interest than a 72 or 84-month loan — even if the monthly payment is higher.
⚠️ Watch out for add-ons
Extended warranties, gap insurance, paint protection, and fabric protection are highly profitable for dealers. Research before agreeing.
⚠️ Avoid going upside down
Cars depreciate fast. Rolling negative equity into a new loan or putting nothing down can leave you owing more than the car is worth.
See what others paid for your exact car before you negotiate:
Check TrueCar →
Amortization Schedule
| Period | Principal | Interest | Extra | Balance |
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Dividend Income Calculator
Project dividend income, DRIP growth, and compare high-yield stocks with semi-live prices
⭐ Featured High-Yield Stocks & ETFs
Prices shown are approximate. Click "Update Live Prices" for current data.
⚠️ Important: High dividend yields do not guarantee returns. Covered-call ETFs (TDAQ, QYLD, JEPI) may experience NAV erosion over time. Past dividends do not guarantee future payments. This is not financial advice — always do your own research before investing.
Your Investment
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Investment Amount
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Growth Assumptions
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Reinvest dividends (DRIP) — automatically buy more shares
📊 Compare With / Without DRIP
Portfolio Growth Over Time
| Year | Shares | Share Price | Annual Dividend | Portfolio Value | Total Earned |
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True Cost of Homeownership
See every real cost of owning a home — not just the mortgage payment most calculators show you
💡 Why this calculator exists: Standard mortgage calculators stop at principal and interest. In reality, property tax, insurance, HOA, maintenance, and utilities often double your housing cost. This tool shows the whole picture.
Your Home & Loan
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Monthly Escrow Items
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Enter annual amount — we'll convert to monthly
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Your total annual premium
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Usually cancels at 20% equity
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Ongoing Maintenance & Utilities
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Rule of thumb: 1-2% of home value per year for repairs
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Electric, gas, water, internet, trash
Where Your Money Goes (Monthly)
The Hidden Mortgage
Your escrow and upkeep costs are calculating...
Lifetime Cost Over Remaining Loan Term
Note: Assumes constant tax/insurance/utility costs. Real costs typically rise 3-5% per year, so your actual lifetime cost will likely be higher.
Ways to Reduce Your True Cost
- ✦Shop homeowner's insurance every year. Rates have climbed 40-60% in many regions. Switching carriers or raising your deductible can save $500-1,500/year.
- ✦Protest your property tax appraisal. Most counties let you file a protest each year. Many protests succeed and can save hundreds per year.
- ✦Verify your homestead exemption. Texas, Florida, and several other states offer significant exemptions that many homeowners forget to file for.
- ✦Get your PMI removed. If you've reached 20% equity, request cancellation in writing. Don't wait for the automatic 22% trigger.
- ✦Build a maintenance sinking fund. Put your annual maintenance reserve into a high-yield savings account so it earns interest while you wait for the inevitable repair.
Retirement Calculator
See your paycheck impact, compare Traditional vs. Roth, and optimize your 401k & IRA strategy
📋 2026 Contribution Limits:
401(k): $24,500 (under 50), $32,500 (50+), $35,750 (ages 60-63) ·
IRA: $7,500 (under 50), $8,600 (50+)
Your Income
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401(k) Contributions
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e.g., 100% = dollar-for-dollar match
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Up to what % of your salary
Growth Assumptions
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Override marginal tax rate (advanced)
Monthly Paycheck Comparison
Projected Balance at Retirement
What This Actually Means