Loan repayment
Fixed-rate amortising loan with monthly payments at month end.
Loans and property ↗THE SUMFIZZ LIBRARY
Loans and property calculators
Explore 25 free tools for loans and property. Find loan repayment, loan overpayment, loan affordability and more. Each calculator explains its inputs and method, with examples you can try using your own numbers.
THE SUMFIZZ LIBRARY
What are we working out?
Loan overpayment
Extra payments start with the first regular payment.
Loans and property ↗Loan affordability
This is payment arithmetic, not a lender affordability assessment.
Loans and property ↗Loan refinance break-even
Simple fee recovery compares payment savings only.
Loans and property ↗Flat versus reducing interest
Flat interest is charged against the original principal throughout the term.
Loans and property ↗Balloon loan
The balloon is paid at the term end, in addition to the final regular payment.
Loans and property ↗Interest-only loan
Interest-only payments do not reduce principal.
Loans and property ↗Credit card payoff
Uses monthly interest and treats new spending as reducing the effective payment.
Loans and property ↗Debt avalanche schedule
Pay required amounts first, then direct remaining budget to the highest rate.
Loans and property ↗Debt snowball schedule
Pay required amounts first, then direct remaining budget to the smallest outstanding balance.
Loans and property ↗Mortgage deposit
Deposit percentage is chosen by you.
Loans and property ↗Loan-to-value
Divide the secured loan balance by the property value.
Loans and property ↗Debt-to-income
Measure income and debt payments over the same month.
Loans and property ↗Mortgage points break-even
Compares monthly payment savings with the upfront cost, excluding tax effects, opportunity costs and early payoff.
Loans and property ↗Rent versus buy scenario
A simplified cash-outlay comparison.
Loans and property ↗Gross rental yield
Gross yield ignores financing, vacancy, expenses and taxes.
Loans and property ↗Net rental yield
Subtract operating costs before dividing by property cost.
Loans and property ↗Property cash flow
Cash flow includes the entered debt service; it differs from accounting profit and taxable income.
Loans and property ↗Capitalisation rate
Net operating income excludes debt service and income taxes.
Loans and property ↗Cash-on-cash property return
This ratio compares annual cash flow with invested cash, not total property value or appreciation.
Loans and property ↗Rental vacancy allowance
Use between zero and twelve occupied months.
Loans and property ↗Property closing-cost budget
Enter actual jurisdiction-specific fees and taxes.
Loans and property ↗Home equity
Equity may be negative.
Loans and property ↗Lease versus finance vehicle
Enter net end equity after any remaining loan.
Loans and property ↗Early loan settlement estimate
Sum your lender-supplied balances and charges.
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