Loan IQ - Mortgage calculator

Stop guessing what your loan actually costs. This is the only calculator you need for mortgages, auto loans, refinancing, and the big "can I afford this" questions — with real amortization schedules, not just a monthly payment number. WHY THIS CALCULATOR Most loan calculators give you one number and stop. This one shows you the full picture: total interest, payoff date, break-even points, and side-by-side comparisons — so you can actually make a decision, not just do math. CORE CALCULATORS - Standard Loan Payment — principal, interest, total cost, payoff date - Full Mortgage (PITI) — taxes, homeowners insurance, PMI, and HOA fees included - Auto Loan Calculator — trade-in value, sales tax, fees, and down payment - Affordability Calculator — tell us your budget, we'll tell you your max loan - Refinance Break-Even — see exactly how many months until refinancing pays off - Rent vs. Buy — compare long-term wealth building between renting and owning PLAN LIKE A PRO - Extra Payment Simulator — see how one extra payment a month changes your payoff date and interest saved - Side-by-Side Comparison — stack up to 4 loan options at once (15-yr vs 30-yr vs ARM) - Full Amortization Table — month-by-month and year-by-year principal/interest/balance - ARM Support — model rate caps and adjustment periods - Multi-currency support with regional compounding rules BUILT FOR REAL DECISIONS - Visual charts — see payment breakdown and interest-vs-principal over time at a glance - Save multiple loan profiles — compare "Property A" vs "Car Option B" anytime - Export PDF & CSV reports — share a clean summary with your lender, agent, or spouse - Works 100% offline — no signal needed, no data used WHO THIS IS FOR Homebuyers comparing mortgage offers. Car shoppers who want the real total cost, not the dealer's number. Anyone deciding whether to refinance. Renters wondering if buying actually makes sense. First-time buyers who don't know what PITI even means (we'll show you). No signup. No subscription required to use the core calculators. Download once, use forever.