Ask Mortgage Authority(TM) Calculators

Start with mortgage-first collections, then drill into the full calculator library by task.

Lead with the calculators that match real borrowing, payment, refinance, and home-equity decisions. Every calculator remains available, but the broader planning tools now sit behind clearer collections instead of competing with your most relevant mortgage paths.

Supporting Guides

Use these articles when you want context before running the calculator. Each guide links back into the matching calculator flow and collection page.

Mortgage Guides

Mortgage Payment With Taxes and Insurance See how principal, interest, taxes, insurance, and PMI shape the real monthly payment. APR vs Interest Rate Compare headline rate with fee-adjusted borrowing cost when you review loan offers. When Refinancing Breaks Even Test when monthly savings actually recover refinance fees. Rent vs Buy Framework Use a broader comparison than monthly payment alone when weighing renting against owning.

Retirement Guides

Roth vs Traditional IRA Frame the account choice around tax timing and retirement cash-flow planning. RMD Basics Understand when required minimum distributions start to shape retirement income planning. Estimate Retirement Income Gaps Compare retirement spending needs against likely income sources and shortfall risk.

Investment Guides

IRR vs NPV Understand why these two metrics answer different project-evaluation questions. Rule of 72 Limitations Use the shortcut for intuition without confusing it for a full planning model. Treasury Bill Yield Basics Translate discount pricing and maturity into a cleaner short-term yield comparison.

The full library stays available below. Each section is clustered by decision type so the mortgage paths stay primary while the broader tools remain easy to reach without dominating the home route.

Mortgage & Loans

Model monthly payments, APR, amortization, refinance savings, points, PMI, and rent-versus-buy so you can compare scenarios before applying.

Payment & Affordability

Loan Calculator Estimate principal, interest, and total borrowing cost. APR Calculator Compare interest rate and fee-adjusted borrowing cost. Payment Amortization See how each payment shifts between interest and principal. Loan Affordability Estimate a payment range that fits your income and debt. Debt-to-Income Ratio Check whether your debt load supports a new mortgage payment. Closing Costs Estimate cash needed for fees, prepaid items, and settlement costs. Loan Comparison Put two loan options side by side and compare trade-offs.

Rent, Buy & Refinance Decisions

Rent vs Own Measure whether buying outperforms renting over time. Rent vs Buy Compare ownership costs and timing assumptions in one place. Refinance Break-Even See how long it takes lower payments to recover refinance fees. Loan Refinance Compare current and proposed mortgage structures. Prepayment Savings Estimate interest saved by adding extra principal payments. Mortgage Payoff Date Project when your mortgage could be paid off and how extra principal changes the date. Early Payoff See how faster payoff changes timeline and total interest. Loan Points Compare upfront discount points against long-term rate savings.

Home Equity & Specialized Loans

Home Equity Estimate how much ownership value you have built. Cash-Out Refinance Model a larger mortgage balance and available cash proceeds. HELOC Calculator Estimate borrowing capacity, draw payments, and repayment cost. PMI Removal Project when mortgage insurance can drop off your payment. Debt Consolidation Compare blending higher-cost debt into a new payment plan. Commercial Loan Model business-property loan payments and terms. Rental Property Estimate financing costs on income-producing property scenarios. Loan Tax Saving See how deductible interest can affect total after-tax cost. Tax Savings Estimate annual mortgage-related tax savings using ownership inputs.

Rate Structures & Other Loan Tools

Adjustable Rate Model an ARM and test future payment resets. Adjustable vs Fixed Compare payment stability against starting-rate savings. Biweekly Payment See whether more frequent payments shorten the payoff path. Interest Only Estimate payment changes during interest-only periods. Auto Loan Keep vehicle financing accessible without leading the library. Auto Lease Compare monthly lease structure, cap cost, and residual value.

Investment & Savings

Project compound growth, IRR/NPV, bond yields, tax-equivalent returns, college savings, and target-based savings goals.

Core Savings & Planning

TVM Calculator Apply time-value-of-money math to deposits, rates, and terms. Compound Interest Project how contributions and compounding grow over time. Savings Goal Reverse-engineer how much to save for a target amount. College Savings Estimate the contribution path toward education funding goals. HSA Calculator Model tax-advantaged health savings growth over time. Currency Converter Convert amounts using current exchange-rate data. US Inflation Compare the value of dollars across years.

Returns & Cash-Flow Analysis

ROI Calculator Measure gain relative to cost on a single investment. IRR / NPV Evaluate projects with irregular cash flows and discount rates. Investment Income Estimate how assets translate into ongoing income. Tax Equivalent Yield Compare tax-advantaged and taxable yields on equal footing. Effective Rate Convert nominal rates into effective annualized cost or return. Holding Period Return Measure total return earned over a specific ownership period. Expected Return Blend probabilities and outcomes into one return estimate.

Markets, Securities & Business Finance

Bond Calculator Estimate bond pricing, income, and yield scenarios. US Treasury Bill Compare short-term Treasury pricing and return assumptions. Rule of 72 Estimate doubling time at a given return rate. Stock Return Measure total return across price change and dividends. Growth Stock Estimate value under compounding growth assumptions. Non-Growth Stock Value a stock under level earnings or dividend assumptions. CAPM Calculator Estimate required return using beta and market assumptions. WACC Calculator Blend debt and equity costs into a weighted capital rate. Option Calculator Model option pricing under volatility and term assumptions. Financial Ratios Review liquidity, leverage, and profitability metrics together. Business Forecast Project revenue and operating scenarios for planning. Margin & Markup Translate between markup, margin, and selling price targets.

Retirement

Plan 401k contributions, max strategies, IRA vs Roth decisions, required minimum distributions, Social Security timing, and annuity options.

Retirement Readiness

Retirement Planner Project balances, contributions, and retirement age assumptions. 401k Contribution Estimate how ongoing contributions grow within a 401k plan. 401k Save the Max See what it takes to reach the annual contribution limit. Retirement Savings Analysis Stress-test contributions and return assumptions against goals. Retirement Calculator Estimate broad retirement readiness with simple inputs.

Income, Taxes & Withdrawals

Retirement Income Analysis Compare income needs against expected withdrawals and benefits. Traditional vs Roth IRA Compare contribution and withdrawal tax trade-offs. Required Minimum Distribution Estimate mandatory retirement account withdrawals. Social Security Estimator Project benefit timing and monthly income scenarios. Asset Allocation Blend stocks, bonds, and cash targets into a portfolio mix. Annuity Calculator Estimate payment or value under annuity assumptions.

Credit & Pay

Estimate credit card payoff timelines, minimums, paycheck impacts, salary changes, and net distributions.

Debt Payoff & Budget Pressure

Credit Card Payoff Project payoff timing as payment amounts change. Credit Card Minimum See how long minimum-only repayment can drag out balances. Debt Snowball vs Avalanche Compare the momentum-first and interest-first payoff strategies side by side.

Income & Net Pay

Paycheck Calculator Estimate take-home pay after taxes and withholdings. Salary Increase Translate raises into annual and per-paycheck impact. Hourly to Salary Convert hourly wages into annualized income estimates. Net Distribution Estimate how distributions look after withholding and taxes.

Tools & Converters

Quick utilities for tips, discounts, percentages, date math, unit conversion, and fuel costs.

Everyday Math & Percentages

Tip Calculator Split bills and calculate gratuity percentages quickly. Discount Calculator Translate markdown percentages into actual savings. Percentage Calculator Handle quick percentage changes and shares. Date Calculator Measure days between dates and future date offsets.

Conversion & Cost Utilities

Unit Conversion Convert values across common measurement systems. Fuel Calculator Estimate fuel usage and trip cost scenarios.