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Loan calculators can also show the difference that an extra yearly payment can make in your repayment schedule. Many lenders allow you to arrange this upfront, and it is often a good idea to do so if you are planning to make an extra payment because some lenders may have prepayment fees that penalize you for paying your loan off early. Many loan calculators allow you to plug in how many extra payments you would like to make over the life of the loan, which in most cases would be once yearly. An extra yearly payment can cut interest paid and also cut the length of the loan, often shortening the repayment period up to ten years.

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The figures determined by loan calculators are only estimates, but can help you get an accurate idea of how much you can afford to take on and at what terms. Preparation can make the loan process far easier. Learn more about your loan using our loan calculator or fill out our free short form to contact lenders about your new loan.

To get your estimated monthly payment, enter you loan amount, interest rate, and loan term into a loan calculator. If your loan is for $150,000, with an interest rate of 7% and a term of 30 years, the loan calculator will give you an estimated monthly payment of $997. Loan calculators can also show you the amount of interest you will have paid by the end of the payment period. In this case that amount will be $209,263. If this amount of interest sounds too high and you are capable of paying more than $997, shortening the repayment term can cut the interest in half.

The loan calculator shows that a loan of $150,000 with a term of 15 years at 7% will have monthly payments of $1,348, which is $351 more than you would pay with a 30 year repayment term at the same interest rate and amount. However, where as the total interest paid on the 30 year loan would be over $200,000, the total interest paid on the 15 year loan is only $92,683. This would save you over a $100,000 in the long run. If you can afford to pay $351 more a month, it would be important to keep the shorter repayment term in mind when looking into finding a mortgage. If having a lower monthly payments is more important, then you will probably be willing to sacrifice the additional $100,000 paid gradually over the 30 years in order to save the $351 monthly.


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Loan calculators will let you do a multitude of things before ever taking out a loan. You can determine your estimated montly payments as well as toy around with the interest rate input to see how it affects the interest you pay over the life of your loan… Financing your loan can be made easier by shopping around online for a low interest rate. Before applying try out our free mortgage rate calculators to estimate your monthly payments… Home refinancing is a frequent occurence as interest rates have continued to drop over the past few years. If you are planning on staying in your home for three or more years and your rate is not less than 5% you should consider refinancing again…
There has never been a better time for a home equity loan because of today’s great interest rates. When you refinance your home take advantage of your home equity and get cash back to finance more purchases or go on vacation… Mortgage payment calculators are a free and easy way to get an idea of your possible monthly payments on a new home loan. You can also do multiple iterations to compare the effects of paying points to lower your interest rate…

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