LoanQuantum: Mortgage & Loan

See your real monthly payment before you borrow. LoanQuantum is a free
mortgage and loan calculator for US home buyers, car shoppers, students and
anyone paying down debt.

MORTGAGE CALCULATOR WITH TAXES, INSURANCE, PMI AND HOA
• Your full monthly payment (PITI): principal and interest, property tax,
home insurance, PMI and HOA dues
• PMI estimated when you put less than 20% down, and the month it ends (78%
loan-to-value)
• Extra monthly or yearly payments: see the interest you save and how much sooner you are mortgage-free
• Amortization schedule year by year and a balance chart
• Download a PDF report or an Excel schedule to share with a partner or
lender

AUTO LOAN CALCULATOR
• Vehicle price, down payment, trade-in and what you still owe on it
(negative equity)
• Your state's sales tax, title and dealer fees, financed or paid at signing
• Monthly car payment, total interest and the true total cost of the car

PERSONAL AND STUDENT LOANS
• Personal loan payment by APR and term
• Student loans with years left in school, grace period, subsidized loans,
and what happens to unpaid interest

REFINANCE CALCULATOR
• New payment, monthly savings and your break-even month after closing costs
• Interest saved and lifetime savings, with current and new balance side by
side

DEBT PAYOFF PLANNER
• Add credit cards and loans, set one monthly budget
• Compare the avalanche (highest rate first) and snowball (smallest balance
first) methods
• Your debt-free date, payoff order and interest saved versus paying only the
minimums

COMPARE LOAN OFFERS
• Up to three offers side by side: monthly payment, total interest, total
cost and payoff date
• See which offer really costs the least, even when its payment is higher

HOW MUCH HOUSE CAN I AFFORD
• Comfortable and stretch price for a home or car from your income, debts and
credit score
• Debt-to-income and housing ratios explained the way lenders look at them

QUANTUM COPILOT
• Ask loan questions in plain English and get answers with the numbers worked
out

SAVE AND COME BACK
• Save any calculation to your free account and open it on any device
Results update as you type or let go of a slider. Every figure is calculated
by the same engine as loanquantum.com, so the app, the website and your
reports always agree.
• LoanQuantum gives estimates for education only. It is not a lender, does not
offer loans and is not financial advice. Your actual rate, payment and costs
depend on the lender and your credit.

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