Professional financial tools based on banking and investment industry standards. Plan your loans, investments, and budget with accurate calculators for smart money management.
Optimize credit score with utilization ratio analysis and recommendations
Calculate DTI for loan qualification and financial health assessment
Analyze investment fund costs and their impact on returns
Calculate monthly payments, total interest, and amortization schedules
Measure return on investment with gain/loss and annualized returns
Track your savings percentage and progress toward financial goals
Understanding how your payments split between principal and interest over time. Early payments go mostly toward interest, while later payments reduce principal faster. Extra payments can significantly reduce total interest paid.
Measures the efficiency of an investment. A positive ROI means gains exceed costs. Consider both realized and unrealized gains, and factor in time value for accurate comparisons.
Critical for loan approval. Lenders typically prefer DTI below 43% for mortgages. Lower ratios mean better loan terms and higher approval chances. Include all monthly debt payments.
Keep credit card balances below 30% of limits for optimal credit scores. Even better is under 10%. This factor accounts for 30% of your FICO score calculation.
The annual fee charged by mutual funds and ETFs. Lower expense ratios mean more of your money stays invested. Even 1% difference can significantly impact long-term returns.
The percentage of income you save determines financial independence timeline. A 20% savings rate is good, 30%+ is excellent. Track both gross and net income savings rates.
Important Note: These calculators provide estimates for planning purposes. Actual loan terms, investment returns, and financial outcomes may vary based on market conditions, individual circumstances, and lender policies. Always consult with qualified financial advisors for personalized advice.