Practical finance calculators for debt and mortgages
Estimate payoff timelines, interest cost, and payment schedules with clear assumptions. Your inputs stay in your browser and results are educational only.
Featured calculators
Credit Card Payoff Calculator
Payoff date, total interest, and a month-by-month payoff schedule.
Debt
Debt Snowball Calculator
Build a payoff plan by paying smallest balances first.
Debt
Debt Avalanche Calculator
Build a payoff plan by paying highest APR first to reduce interest.
Debt
Mortgage Payment Calculator
Monthly payment estimate with P&I plus taxes, insurance, HOA, and PMI.
Mortgage
Amortization Schedule Calculator
Full payment schedule with principal, interest, and remaining balance.
Mortgage
Rent vs Buy Calculator
Scenario-based comparison to estimate a break-even time horizon.
Mortgage
Choose the right tool
- Credit cards: use Credit Card Payoff for a fixed payment.
- Multiple debts: compare Snowball vs Avalanche.
- Borrowing comparisons: use APR Calculator to include fees.
- Home shopping: use Mortgage Payment to estimate monthly cost.
How to use results
Use outputs to compare scenarios (payment size, extra payments, APRs), not as exact lender quotes. Always confirm final terms, escrow, and fees with your lender or card issuer.
Questions or feedback: admin@practicalfinancetools.com.
All calculators
Credit Card Payoff Calculator
Payoff date, total interest, and a month-by-month payoff schedule.
Debt
Minimum Payment Payoff Calculator
See how long minimum payments can take, and how much interest you pay.
Debt
Debt Snowball Calculator
Build a payoff plan by paying smallest balances first.
Debt
Debt Avalanche Calculator
Build a payoff plan by paying highest APR first to reduce interest.
Debt
Debt-to-Income (DTI) Calculator
Estimate your DTI ratio and understand where you stand.
Debt
APR Calculator
Compare loans by including fees to estimate true borrowing cost.
Debt
Mortgage Payment Calculator
Monthly payment estimate with P&I plus taxes, insurance, HOA, and PMI.
Mortgage
Amortization Schedule Calculator
Full payment schedule with principal, interest, and remaining balance.
Mortgage
Extra Payment Mortgage Calculator
See how extra payments can shorten payoff time and save interest.
Mortgage
Rent vs Buy Calculator
Scenario-based comparison to estimate a break-even time horizon.
Mortgage