Loans & Borrowing
Calc
APY to APR
Converts an Annual Percentage Yield (APY) to the nominal Annual Percentage Rate (APR), or an APR to APY, for any compounding frequency.
Loans & Borrowing
Calc
20/4/10 Car Rule
The maximum car price you can afford: 20% down, 4-year loan, monthly payment under 10% of gross income.
Loans & Borrowing
Calc
DTI Ratio
Monthly debt payments as a percentage of gross monthly income, used to qualify for mortgages.
Loans & Borrowing
Calc
Effective Annual Rate
The actual annual return on a loan or investment after accounting for intra-year compounding.
Loans & Borrowing
Calc
Refi Break-Even
The number of months until monthly savings from refinancing recover the closing costs.
Loans & Borrowing
Calc
Student Loan Payoff
Monthly payment needed to fully repay a student loan over a given term, plus total interest cost.
Loans & Borrowing
Calc
True Car Cost
The total 5-year cost of vehicle ownership including depreciation, financing, fuel, insurance, and maintenance.