Annual Income:
Monthly Debt (Car payments, credit cards, student loan payment etc.)
Cash in hand for down payment:
Property tax rate (1% = $1000/yr for 100K house)
Home Insurance rate (0.5% = $500/yr for 100K house)
Interest Rate (%):
Term (years):

Mortgage Calculator

Principal Loan Balance:
Annual Interest Rate (%):
Amortization Length (years):
Starting:
Show full amortization table?
Pre-payment method:
Monthly/Annually/One-Time Principal Prepayment Amount:
One-Time Prepayment to be paid after payment (month #):

Mortgage Payment Table Calculator

	Minimum Value	Maximum Value
Principal:
Interest:
Number of years:

Mortgage Qualification Calculator
Enter the values below. The calculator will show what kind of income lenders will expect you to be making to qualify for the specific values. Property tax and home insurance numbers vary greatly by region and construction type.

Monthly mortgage principal + interest:
Enter expected annual property tax:
Enter expected annual home insurance:
Enter expected monthly debt payments (car & student loans, credit cards, etc...):
Sale price of home:
Down Payment:

Prepayment Mortgage Reduction
This form allows you to see how prepaying your mortgage reduces the length of your mortgage by putting in the current values for your loan.

Current Principle Balance:
Current Prin+Int Monthly Payment:
Current Annual interest Rate:
Additional Monthly Pre-Payment Amount: (Or enter "B" for biweekly)
Increase Monthly Payment each year by (%):

Front End Cost Calculator
How much does that loan REALLY Cost?

Enter the Loan Amount:
The Quoted Interest Rate (%):
The Quoted APR (%):
Length of Loan (years):

APR Calculator
How much does that loan REALLY Cost?

Enter the Loan Amount:
The Quoted Interest Rate (%):
Points (%):
Other Closing Costs to Include:
Length of Loan (years):

Compound Interest Rate Calculator
This calculator simply takes the final amount you want to earn given an initial investment for a duration of time, and finds the required annual yield you would need to achieve that goal.

Starting Value of Investment:
Final Value of Investment:
Input Total Duration in Years:

Deferred Payment Calculator

Defer For:
Interest Rate (%):
Principal:
Term (months):

Future Value/Annuity Calculator

Beginning Balance of Account:
Monthly Contribution:
Years Until Retirement:
Estimated Annual Yield:
Estimated Annual Inflation (%):
Estimated Annual Contribution Increase:
Desired Future Monthly Withdrawal Amount (current dollars):

How Long Will It Last? - Loan Calculator
Here is a new twist on the mortgage calcuator. Here you tell how much you want to spend each month, an interest rate and a loan amount, and find out how long it will take you to pay it off.

Beginning Loan Balance:
Minimum Monthly Payment:
Maximum Monthly Payment:
Annual Interest Rate (%):

How Much to Retire
Here is a new simple retirement calculator. It tells how much you will need to provide a certain income for a set number of years.

Annual Income Required (today's dollars):
Number of years until retirement:
Number of years required after retirement:
Annual Inflation:
Annual Yield on Balance (%):

Loan Payment Calculator
Enter the values to find out the payment. The loan can be a mortgage, car loan, or any other simple interest amortization over a fixed time with fixed monthly payments.

Principal:
Interest Rate (%):
Number of Years:

Nominal and Effective Interest Rates
Calculate what rates are necessary to achieve a desired future value amount given a present value amount and the time period over which to compound your investment.

Future Value:
Present Value:
Total Years:
Compound Periods Per Year:

Prepayment vs. Investment - A Scenario
This form allows you to compare what would happen if you took one of two choices with some extra cash you have -- prepaying your mortgage each month, or investing it instead. This tries to take into account your tax situation and assumes you always itemize (even late into your mortgage when your interest will be lower -- I am assuming you give to charities, and pay state and local taxes too!!)

How much more you have to spend each month:
Current monthly payment (principal & interest only):
Current Annual Loan Interest Rate:
Current Loan Balance:
Loan Interest Deductibility:
Expected Long Term Investment Return (%):
Expected Long Term Tax Rate (%) (Federal+State):
Investment Type:

Savings Calculator
This doesn't deal with inflation, taxes or any of that complicated stuff. This is just a simple calculator that lets you start with an amount of money and make regular monthly deposits, and see how much it grows.

Initial Amount:
Monthly Deposit:
Annual Interest % (Compounded ):
Number of Years:

LISA F. CIOFANI Assoc. Broker
REALTOR-ABR GRI CRS CDPE
Institute of Luxury Homes Marketing

2314 Boston St.
BALTIMORE, MD 21224
Direct: 410-960-4555
Office: 410-823-0033
Fax: 410-675-1552
Honlis@aol.com

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LISA CIOFANI Assoc. Broker | Realtor

Office: 410-823-0033
HonLis@aol.com

This data last updated on 2024-04-27 00:07:00.
Some properties which appear for sale on this web site may subsequently have sold or may no longer be available. Listing information on the web site is from the IDX program of Bright MLS.
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All information provided is deemed reliable but is not guaranteed and should be independently verified. The advertisements herein are merely indications to bid and are not offers to sell which may be accepted. All properties are subject to prior sale or withdrawal. All rights are reserved by copyright.

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