01 / Core payment
Mortgage payment & amortization
Estimate principal, interest, taxes, insurance, PMI, total interest, and the first year of your schedule.
Loan math without the fog
Know the payment before you sign.
Explore mortgage, vehicle, and commercial loan scenarios with transparent assumptions, amortization, affordability checks, and lender-style sizing metrics.
monthly payment
$2,846
principal + interest
debt service coverage
1.32×
property cash flow
Mortgage mathAffordabilityAmortizationAuto financeLease vs buyDSCR · LTV · Debt yieldCommercial sizing
Pick your lane.
Start with the decision in front of you. Each tool is built to expose the number that matters—and the assumptions behind it.
Mortgage Desk
Build the full monthly picture, then pressure-test the loan with affordability, refinance, PMI, and payment-shock tools.
02 / Buy box
Home affordability
Back into a purchase price from income, debts, down payment, rate, and a target DTI.
03 / Rate reset
Refinance break-even
Compare current and new payments, closing costs, and the number of months to recover the refinance cost.
04 / Pay faster
Extra-payment savings
See how a recurring extra principal payment changes payoff time and lifetime interest.
05 / Payment shock
ARM scenario
Model an adjustable-rate reset using a future rate after the initial fixed period.
06 / Mortgage insurance
PMI checkpoint
Estimate current LTV and the loan balance needed to reach a target LTV for a PMI review.
07 / Compare terms
Loan term comparison
Compare 15-, 20-, and 30-year monthly principal-and-interest payments and total interest for the same balance.
Auto Lane
Separate the sticker price from the financed amount, and make trade-in equity and lease math visible before you sit down with a dealer.
01 / Drive-away cost
Auto loan payment
Include taxes, fees, down payment, trade equity, rate, and term in one estimate.
02 / Budget first
Car affordability
Turn a comfortable monthly payment into an estimated vehicle price range.
03 / Keep or lease
Lease vs. buy
Compare lease outlay with a purchase payment, estimated residual equity, and total cost.
04 / Negative equity
Trade-in equity
See the equity or shortfall your current vehicle contributes to a new purchase.
Commercial Desk
Use the same lenses lenders use to size income-producing real estate: DSCR, LTV, debt yield, cap rate, amortization, and the balloon.
01 / Lender-style sizing
Commercial loan sizing: DSCR + LTV + debt yield
See the maximum loan under each constraint and which one binds first.
02 / Payment + balloon
Commercial loan payment
Model monthly debt service and the balance due when the loan term ends.
03 / Cash-flow coverage
DSCR calculator
Measure NOI against annual debt service, then solve for the loan size at a target coverage ratio.
04 / Value lens
Cap rate & property value
Convert net operating income and a market cap rate into an implied property value.
05 / Unlevered risk
Debt yield
Calculate NOI divided by loan amount and the maximum loan at a target debt yield.
06 / Small business
SBA-style payment
Estimate payment and total interest for a business loan with an optional upfront fee financed into the loan.
07 / Fast comparison
Commercial term comparison
Compare payment, annual debt service, and balloon balance across different rates or terms.
Ask ChatGPT.
Turn your calculator assumptions into a clear prompt you can review with ChatGPT. No account connection or API key is required.
Prompt builder
Bring your numbers.
Get a better question.
Choose a topic, describe what you want to understand, and add the relevant numbers. QualCalc will format a useful starting prompt for ChatGPT.
Ready-to-copy prompt
Common questions.
Short answers to the questions people ask before they compare a payment, a deal, or a financing path.
What does a mortgage payment calculator include?
QualCalc separates principal and interest from optional property tax, homeowners insurance, and PMI inputs. Use the total-payment result as an estimate and confirm the actual escrow and insurance figures with your lender.
How is home affordability estimated?
The affordability tool starts with gross monthly income, subtracts existing monthly debts from a target debt-to-income ratio, then solves for an estimated principal-and-interest payment. Taxes, insurance, HOA dues, reserves, and lender overlays can reduce the real approval amount.
What is DSCR in commercial real estate?
Debt service coverage ratio is net operating income divided by annual debt service. A higher ratio means more property cash flow remains after scheduled debt payments. Lenders set their own minimums by property and loan type.
What is the difference between LTV and debt yield?
Loan-to-value compares the loan amount with property value. Debt yield compares annual NOI with the loan amount and does not depend on the interest rate or amortization period. Commercial underwriting often considers both alongside DSCR.
Does the auto calculator include all vehicle costs?
The auto tools estimate financing math using price, taxes, fees, trade equity, rate, and term. They do not include every ownership cost, such as fuel, maintenance, insurance, registration, dealer add-ons, or mileage charges.
Are QualCalc results financial advice?
No. These are educational estimates, not loan approvals, rate quotes, tax advice, appraisals, or underwriting decisions. Review the actual Loan Estimate, purchase contract, term sheet, lease, or lender proposal before acting.