Calculators

Mortgage Loan Calculator

Price of Real Estate?:

Down Payment Percent?:

Amount of Loan?:

Enter a “0” (zero) for one unknown value above.

Number of Payments? (#):

Annual Interest Rate?:

Points?:

Annual Property Taxes?:

Annual Insurance?:

Private Mortgage Ins. (PMI)?:

Payment Method?:

Monthly Payment Amount:

Down Payment Amount:

Total Interest:

Total Principal & Interest:

©2023 financial-calculators.com, all rights reserved $ : mm/dd/yyyy

Original Size

Mortgage Calculator Help

You can calculate the mortgage loan amount from the price of the real estate by providing the down payment percentage.

If you know the mortgage amount you can afford and the cash down payment percentage required, you can calculate the affordable real estate price.

Or if you know the price of the real estate and the loan amout and enter “0” for the down payment percentage, the calculator will calculate the down payment amount and percentage.

Points, Annual Property Taxes, Annual Insurance and Private Mortgage Ins. (PMI) are all optional. If you enter values, the periodic portion of each will be calculated and shown on the schedule. Property taxes and insurance are combined under escrow.

If a borrower does not have cash to cover at least 20% of the purchase price, some lenders will require the borrower to purchase private mortgage insurance (PMI) to cover against a possible default. Premiums are typically 0.5% to 2.0% of the original loan amount. The borrower can drop the insurance coverage once the mortgage balance is less than 80% of the original purchase price. The calculator handles this automatically. (There may be other conditions as well under which the lender will no longer require PMI. One such case might be apprciation of the real estate.)

Points are charges that are normally due at closing. Borrowers (normally only in USA) may select to pay a lender “points” up front in exchange for a lower interest rate. Points are expressed in percent and are calculated on the amount borrowed. 3 points on a $200,000 mortgage equals $6,000. If the user enters points, this calculator includes their value in the summary and as part of the total payment at loan origination on the payment schedule.

The term (duration) of the loan is expressed as a number of months.

60 months = 5 years

120 months = 10 years

180 months = 15 years

240 months = 20 years

360 months = 30 years

Need more options including the ability to solve for other unknowns, change payment / compounding frequency and the ability to print an amortization schedule? Please visit, https://financial-calculators.com/mortgage-calculator

Currency and Date Conventions

All calculators will remember your choice. You may also change it at any time.

Clicking “Save changes” will cause the calculator to reload. Your edits will be lost.

Retirement Age Calculator

Your Current Age?:

Current Retirement Savings?:

Monthly Amount Invested?:

Annual Interest Rate (ROI)?:

Amount At Retirement?:

Projected Retirement Age:

Number of Contributions (#):

Total Amount Invested:

Interest Earned:

Est. Final Value:

Last Deposit Date:

©2023 financial-calculators.com, all rights reserved$ : mm/dd/yyyy

Original Size

Retirement Calculator — calculate retirement age

This calculator easily answers the question “Given the value of my current investments and assuming future monthly investments of “X”, at what age will I reach my retirement goal?”

The user enters their “Current Age”, the “Monthly Amount Invested”,the “Annual Interest Rate (ROI)” (annualized Return on Investment one expects to earn) and “Amount Desired At Retirement”.

The calculator quickly calculates the user’s retirement age and creates an investment schedule plus a set of charts that will help the user see the relationship between the amount invested and the return on the investment. The schedule can be copied and pasted to Excel, if desired.

If you need a more advanced “Retirement Calculator” – one that calculates many more unknowns and one that calculates assuming retirement income and not a final lump sum then try the calculator located here: https:/financial-calculators.com/retirement-calculator

Currency and Date Conventions

All calculators will remember your choice. You may also change it at any time.

Clicking “Save changes” will cause the calculator to reload. Your edits will be lost.

Retirement Savings Calculator

Your Current Age?:

Anticipated Retirement Age?:

Current Retirement Savings?:

Annual Interest Rate (ROI)?:

Amount At Retirement?:

Monthly Investment Required:

Number of Contributions:

Total Amount Invested:

Interest Earned:

Est. Final Value:

Last Deposit Date:

©2023 financial-calculators.com, all rights reserved$ : mm/dd/yyyy

Original Size

Retirement Savings Calculator — calculate savings required to reach retirement goal

This calculator easily answers the question “Given the value of my current investments how much do I need to save each month to reach my retirement goal?”

The user enters their “Current Age”, there expected “Retirement Age”, the “Annual Interest Rate (ROI)” (annualized Return on Investment one expects to earn) and “Amount Desired At Retirement”.

The calculator quickly calculates the required monthly investment amount and creates an investment schedule plus a set of charts that will help the user see the relationship between the amount invested and the return on the investment. The schedule can be copied and pasted to Excel, if desired.

If you need a more advanced “Retirement Calculator” – one that calculates many more unknowns and one that calculates assuming retirement income and not a final lump sum then try the calculator located here: https:/financial-calculators.com/retirement-calculator

Currency and Date Conventions

All calculators will remember your choice. You may also change it at any time.

Clicking “Save changes” will cause the calculator to reload. Your edits will be lost.

Disclosures

The use of these calculators will produce simulations and statistical analysis that present the likelihood of various investment outcomes if certain investments are made in certain investment strategies or styles are undertaken, thereby serving as an additional resource to investors in the evaluation of the potential risks and returns of investment choices. These calculators uses user submitted data and mathematic operations, and has is limited to the accuracy of user provided data and assume constant future interest and tax rates. All results may vary with each use and over time. The calculators generate outcomes that are hypothetical in nature.

WealthGuard Advisors, Inc. is a SEC registered investment adviser. WealthGuard Advisors, Inc. may only transact business in those jurisdictions in which it is registered or qualifies for an exemption or exclusion from registration requirements. WealthGuard Advisors, Inc.’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of WealthGuard Advisors, Inc.’s web site on the Internet should not be construed by any consumer and/or prospective client as WealthGuard Advisors, Inc.’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by WealthGuard Advisors, Inc. with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of WealthGuard Advisors, Inc. A copy of WealthGuard Advisors, Inc.’s current written disclosure statement discussing WealthGuard Advisors, Inc.’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from directly from WealthGuard Advisors, Inc. upon request at no additional cost by calling (530) 621-1111. WealthGuard Advisors, Inc. throughout this website has provided links to various other websites and third-party content. While WealthGuard Advisors, Inc. believes this information to be reasonably reliable, current and valuable to its clients, WealthGuard Advisors, Inc. provides these links on a strictly informational basis only and cannot be held liable for the continued accuracy, time sensitive nature, or viability of any information shown on these sites.

The opinions expressed herein are those of the firm and are subject to change without notice. The opinions referenced are as of the date of publication and are subject to change due to changes in the market or economic conditions, and may not necessarily come to pass. Any opinions, projections, or forward-looking statements expressed herein are solely those of author, may differ from the views or opinions expressed by other areas of the firm, and are only for general informational purposes as of the date indicated.

Our Client Privacy Policy. Form CRS.

This site uses cookies – small text files that are placed on your machine to help the site provide a better user experience. In general, cookies are used to retain user preferences, store information for things like shopping carts, and provide anonymized tracking data to third party applications like Google Analytics. As a rule, cookies will make your browsing experience better. However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser. We suggest consulting the Help section of your browser or taking a look at the About Cookies website which offers guidance for all modern browsers.