Loans & Mortgage7 мин чтения
15-Year vs 30-Year Mortgage: Complete Guide 2026
Compare 15-year and 30-year mortgages on payments, total interest, and wealth building.
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Бесплатные калькуляторы ипотеки, автокредитов, студенческих и потребительских кредитов на 2026 год. Сравнивайте платежи, рассчитывайте проценты и узнавайте, как быстрее погасить долг.
140 calculators in this category · from FreeCalculators
New to кредиты и ипотека? Most readers begin with the Mortgage Calculator, then compare scenarios in the Mortgage Affordability Calculator. When you are ready to go deeper, the Refinance Calculator covers the advanced case.
Full-picture mortgage math: monthly payment with principal and interest, PMI, property tax, insurance and HOA — plus an extra-payment slider.
How much house can you afford? The 28/36 rule turns your income and debts into a housing budget and an affordable price.
Should you refinance? Compare current and new payments, total interest saved, and the break-even month against closing costs.
Cost out both sides — rent that grows each year versus a mortgage with equity building — across the years you plan to stay.
Split your mortgage payment biweekly and let the extra half-payments shave years off your loan — see the exact timeline here.
Payment, total interest and payoff schedule for a fixed-rate personal loan — with an extra-payment slider to see how much faster it clears.
Monthly payment and full cost for a car loan, with the trade-in and down payment built in, plus an extra-payment option.
Repayment math for federal and private student loans — payment, interest, and the payoff schedule with rounded-up payments.
Compare what you currently pay across multiple debts against a consolidation loan's single payment and total interest.
How long until a card is clear at your current payment, and how much more it costs to drag it out month by month.
Side-by-side cost of leasing versus financing the same car — monthly, total outlay, and which one wins for the miles you drive.
See the monthly savings and total interest change from refinancing student loans to a lower rate or a different term.
Work out the true annual percentage rate on a loan once fees are folded in — the number to compare.
See the smaller monthly payments a balloon loan gives you — and the lump sum waiting at the end.
Work out what buy now pay later really costs once instalments, fees and any interest are counted.
See the shocking true APR on a payday loan — and why the small fee is anything but small.
Estimate your income-driven repayment and the balance that would be forgiven at the end of the term.
Compare leasing versus buying a car with total cost analysis over your ownership period.
Calculate the true all-in cost of owning a vehicle over your planned ownership period.
Compare total cost of ownership between electric and gasoline vehicles over 5-10 years.
Track how much your car has depreciated and predict future value over time.
Estimate annual and lifetime maintenance costs based on your vehicle type and driving habits.
Compare fuel costs between vehicles based on MPG, gas price, and driving habits.
Calculate total cost of a road trip including fuel, food, lodging, and tolls.
Calculate savings from autopay and bundling discounts on your auto insurance.
Compare total cost of using ride-sharing services vs owning a car based on your usage patterns.
Calculate additional costs of driving in winter: winter tires, higher fuel consumption, maintenance.
Find the exact month a refinance pays for its own fees — weighing the rate drop against term changes before you sign.
See how income-driven plans derive your discretionary income — dollars above the threshold — and the illustrative payment each share produces.
Count down the 120 qualifying payments: what remains, the completion date at your pace, and the balance projected to be outstanding then.
Quantify what folding unpaid interest into principal really costs — the lifetime penalty and the extra monthly payment it creates at repayment start.
Add $75 a month to a $31,500 loan and watch years fall off — the interest saved, the new payoff date, and where every dollar goes.
Side-by-side all-in cost of Grad PLUS — rate plus origination deduction — against a private alternative for the same grad-school dollar.
Divide a degree's total cost by the salary premium it buys — the payback in years, plus decade and career earnings multiples.
A paused loan still burns interest daily — see the monthly burn, the pile-up over your pause, and what paying along would have cost.
Forgiven debt can arrive with a tax bill — estimate the hit from your marginal rates and what you'd actually keep of $68,000 forgiven.
List your loans, get the exact attack order by interest rate — payoff months per loan, interest saved and the debt-free date.
A $4,300 bill on a hospital plan versus a 24.99% card — see the total-cost gap before choosing how to handle medical debt.
Borrowing $17,000 of a $26,000 wedding costs thousands in interest — see the payment, the all-in price, and the cost per guest.
Going now on a 19.9% loan versus saving twelve months: the interest paid, the yield forgone, and the true premium for impatience.
A $799 sofa through rent-to-own can top $1,370 — total paid, premium percent, and the annualized markup before you sign.
Six rollovers on a $500 payday loan means $450 of fees while principal never moves — cycle-by-cycle fees and the annualized truth.
Pay $89 a month, get $1,000 back after a year — see the true net cost of a credit-builder loan and what to verify before signing.
Lend $12,000 to family at 2% instead of a floor-style rate and about $180 of interest shifts around — structure it cleanly from day one.
Four overlapping BNPL plans at $65 each quietly commit $260 a month — map the stack, your income share, and one bad week's fee cascade.
Need $2,400 for thirty days? Savings cost $8 in lost yield, a card $59, payday $540 — see every rung priced for your exact gap.
Will a lender approve your consolidation? Current DTI versus pro-forma DTI under the offer — $1,450 scattered becomes one $388 payment.
On a $30,000 loan, see how much a 35% balloon cuts the monthly payment — and the $1,400-plus it adds to the total you repay.
Trading a car worth $13,000 that owes $18,500? See exactly what rolling the $5,500 gap does to your next payment and total interest.
Qualified for 5.49% but the contract says 7.99%? On a $28,000, 60-month loan that spread hands the dealer about $2,150.
That $2,400 extended warranty breaks even only if covered repairs average about $458 a year — model your car's repair reality either way.
A $42,500 EV with $9,500 of combined credits and 6.5% tax lands near $36,563 drive-away — here is the honest arithmetic behind that number.
A $34,000 car falling to $17,000 over five years costs about 64¢ a mile once fuel, maintenance and insurance ride along.
Pay off a 60-month rule-of-78s loan after 18 payments and the front-loading penalty runs about $50–$300 versus simple interest.
Residual $19,500, market $22,000? Buying out captures about $1,500 of equity after tax and fees — or walking away wins when it flips.
A $14,200 trade offer versus a $16,800 private sale nets only ~$1,300 apart once tax savings and selling costs have their say.
Financing $22,000 at 17.5% instead of 6.5% for 72 months adds about $9,000 in interest — 38% of the car's price, paid invisibly.
On a $378,000 loan with rising values, PMI can end years early — see the month it stops, the route to claim it, and $2,220/year freed.
Dropping $40,000 onto a 5.25% mortgage: a ~$275 recast cuts the payment to about $1,856 — refinancing at 6.125% costs more monthly AND upfront.
A 5/1 ARM at 5.25% with 2/5 caps can legally climb to a payment near $3,300 — stress-test the ceiling before the teaser rate seduces you.
A $35,000 HELOC at 8.75% costs $255/month interest-only now — then jumps to ~$448 when the draw period ends and amortization begins.
$200 extra a month plus $1,000 a year on a $310,000 mortgage saves six figures of interest and retires the loan years early.
Two points ($7,600 on a $380,000 loan) buy the rate down to 6.25% and break even at month 61 — stay longer and they pay.
A reassessment pushing taxes to $6,800 can spring a $1,150 shortage — see the new $822 escrow payment and what the first year really costs.
Pulling $50,000 by refinancing a 4.5% mortgage to 6.5% costs ~$251k in incremental interest — the HELOC route needs about $40k.
On $360,000 the 15-year saves ~$268,000 of interest for $749 more a month — but investing that difference at 7% closes much of the gap.
Age 43 with $295,000 left at 5.9%? Paying $1,850 a month runs to age 69 — an extra ~$148 lands the payoff before 65.
A $150 pawn loan at $30 a month costs $360 a year to keep alive — see the true APR before handing anything over.
A $45 'processing' fee to bridge a $2,000 refund by two weeks prices out near 59% APR — see any RAP deal converted honestly.
That $34 fee covering a $60 shortfall for three days is a 6,900% APR micro-loan — price your bank's courtesy as the credit it is.
$1,200 a year rising 4% becomes $35,600 of maintenance over twenty years — before the purchase price and resale collapse.
An 8% contract-price premium plus a 9.5% seller rate can cost $70,000+ extra versus a mortgage on the same house.
Co-sign a $25,000 loan and you owe every cent — twelve payments in, your liability still tops $20,700 on day one of trouble.
A $500 advance carries a $25 fee plus ATM charges and interest from minute one — stack them and the true APR clears 40% fast.
Finance $3,200 of dental work at $150 a month on a 12-month promo and a $760 retroactive charge lands if you're one dollar short.
Borrow $2,000 repaid at $156 biweekly and the solved APR is 160% — decode any payment quote before you sign it.
Settle $20,000 of debt for half and fees plus forgiveness tax can eat 80% of the win — net the whole program before enrolling.
Compare total interest costs, monthly payments, and wealth building between 15-year and 30-year mortgage terms.
Compare FHA and conventional mortgage costs including MIP, PMI, down payments, and total interest over the life of the loan.
Compare debt payoff strategies: avalanche (highest rate first) vs snowball (smallest balance first).
Calculate savings from consolidating multiple debts into one lower-interest loan or balance transfer.
Calculate accelerated student loan payoff with extra payments and compare to standard 10-year plan.
Calculate HELOC payments, draw period costs, and total repayment during the repayment period.
Calculate how long it takes for refinance savings to cover the closing costs.
Compare snowball, avalanche, and custom payoff strategies to find the fastest or cheapest way to eliminate debt.
Analyze whether consolidating multiple loans into one payment saves money or costs more over time.
Compare interest-only and fully amortizing loans — lower payments now vs total cost over time.
Calculate exactly how much loan you can afford based on your income, existing debts, and desired payment.
See how switching to biweekly mortgage payments saves years and thousands in interest.
Compare loan offers side by side using total cost, APR, closing costs, and monthly payment — the right way.
Compare federal repayment plans, refinancing, and payoff strategies to find the cheapest path out of student debt.
Decide whether to lock your mortgage rate now or wait — analyze the cost of locking vs floating.
Calculate your exact debt-free date and see how extra payments move the timeline forward.
Compare HELOC and cash-out refinance to access home equity — see which option costs less.
See exactly how each mortgage payment splits between principal, interest, taxes, and insurance.
See how extra principal payments reduce your mortgage term and total interest.
Calculate break-even point and savings from refinancing your mortgage at a lower rate.
Calculate how much home equity you can borrow and compare HELOC vs home equity loan.
Calculate PMI cost and when you can remove it based on loan-to-value ratio.
Calculate mortgage details for investment properties with investor-specific rates and terms.
Compare paying extra on mortgage vs investing the difference in the stock market.
Compare home equity line of credit vs cash-out refinance for accessing home equity.
Calculate ALL costs of buying your first home: down payment, closing costs, and moving expenses.
Calculate debt-free date using the snowball method with escalating payments as debts are eliminated.
Estimate refinance rates based on credit score, income, and loan amount.
Calculate how much house you can afford based on income, debts, down payment, and rates.
Compare the total cost of buying vs renting over time including mortgage payments, opportunity cost, equity, and tax benefits.
Comprehensive comparison of buying vs renting including opportunity cost, maintenance, and tax benefits.
Work backwards from a monthly payment you can afford to the maximum vehicle price - and the interest the loan quietly adds.
Build the lease payment from the contract pieces - residual, money factor, fees - and set it against buying, measured as cost per year.
Project a vehicle's value year by year with declining-balance math - and see why the first-year drop dominates every ownership decision.
Simulate paying off a card at its current APR versus a 0% intro transfer - with the fee, the cliff date and the true net saving.
Compare the interest left on your current car loan against a new rate and term - and see the net saving after fees, not just the payment.
See how many years minimums really take and what they cost in interest - versus holding your payment steady from month one.
See the retroactive interest a missed promo balance triggers, and the payment level that genuinely clears it before the clock runs out.
Turn a title lender's monthly fee into total repayment, fees as a share of the loan, and the equivalent APR - before you hand over the title.
Calculate auto loan payments, total interest, and compare loan offers.
Calculate all costs of buying a home: down payment, closing costs, inspection, and more.
Compare federal vs private student loan rates and total cost over the life of the loan.
Compare refinancing options: lower rate, shorter term, or cash-out refinance.
Determine if refinancing student loans saves money with lower rates or shorter terms.
Calculate HELOC payments during draw and repayment periods with variable rates.
Calculate total mortgage costs including PMI, taxes, insurance, and HOA.
Calculate student loan payments with income-driven repayment and forgiveness scenarios.
Compare home equity loans vs HELOCs for borrowing against your home equity.
Compare HELOC, home equity loan, personal loan, and cash-out refi for renovation financing.
Plan optimal repayment strategy for multiple student loans with different rates and terms.
Compare standard, income-driven, and forgiveness plans for optimal student loan repayment.
Calculate the optimal debt payoff order using the avalanche method (highest rate first).
Comprehensive comparison of renting versus buying including all costs, equity, and opportunity cost.
Calculate when you will be debt-free with current payments and plan payoff strategies.
Calculate monthly mortgage payment including principal, interest, taxes, and insurance (PITI).
Calculate student loan payoff timeline, total interest, and optimal repayment strategies.
Rent vs buy comparison adjusted for local market conditions and property tax rates.
Calculate credit card payoff time and savings from balance transfer or extra payments.
Compare consolidating multiple debts into one lower-interest payment.
Calculate your home equity and potential HELOC borrowing power.
Calculate potential forgiveness under IDR, PSLF, and other federal programs.
Calculate loan payments, total interest, and amortization for any loan type.
Estimate total closing costs for buying or selling a property including fees and taxes.
Step-by-step walkthroughs to use these calculators well.
Compare 15-year and 30-year mortgages on payments, total interest, and wealth building.
Читать руководствоReduce your mortgage payment without refinancing — recasting, PMI removal, property tax appeals, insurance shopping, and other overlooked strategies.
Читать руководствоCompare adjustable-rate mortgages (ARMs) with fixed-rate mortgages for risk, savings, and planning.
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