Guides
Finance Calculator Guides
Use these short guides to get more from each calculator.
Before you take a loan
Compare at least three offers using the same amount and term. Look at the monthly payment, the total interest, and the annual percentage rate, which includes many fees. A low monthly payment over a very long term can cost far more in total interest.
Before you buy a home
Use the mortgage calculator with your real down payment and rate, then add property tax and insurance to estimate the full monthly housing cost. Keep the total housing payment at a level you can afford even if other costs rise.
Before you invest
Decide your goal and time horizon first, then use the investment and retirement calculators with a conservative return. Revisit the plan once a year, and do not change it because of a single good or bad month in the market.