The loan calculator
that doesn't sell you
to a lender.
Nineteen specialized calculators. Credit-risk built in. Real amortization schedules, real APR math, visual charts. None of your numbers ever leave your browser.
Nineteen Specialized Calculators. One Serious Craft.
Each tool models the way that loan or credit decision actually works — PITI breakdowns, effective APR on business loans, income-driven repayment, balloon schedules, and underwriter-grade DSCR / FCCR / cash-cycle math. Pick the closest match and you'll get a number you can trust.
Personal & Household
Mortgage
PITI + PMI + HOA. LTV warnings, PMI drop-off month, down-payment sync.
Open toolHELOC
Interest-only draw payment, repayment P&I, available equity, rate sensitivity.
Open toolRent vs. Buy
Total cost over time with mortgage balance, appreciation, rent, and equity.
Open toolHome Affordability
Max price from income, debts, down payment, rate, term, and 28/36 DTI rules.
Open toolRefinance
Monthly savings, break-even month, closing-cost recovery, and total savings.
Open toolAuto Loan
Trade-in nets against sales-tax basis, upside-down warning, dealer fees.
Open toolPersonal Loan
Credit-score aware amortization with extra-payment what-ifs and payoff timeline.
Open toolCredit Card Payoff
Timeline, total interest, target payoff payment, and extra-payment impact.
Open toolDebt Payoff
Avalanche vs. snowball payoff order, timeline, and total interest.
Open toolStudent Loan
Standard vs. SAVE / PAYE / IBR. Forgiveness clock. 2024 poverty lines.
Open toolCost of Waiting
See what a down payment could become if invested instead of used to buy today.
Open toolGuides & Playbooks
Refinance timing, FHA vs. conventional, student-loan plans, more.
Browse guidesBusiness & Commercial
Term Loan
Origination fee rolled into effective APR (not the quoted rate).
Open toolSBA 7(a) & 504
Guarantee fee schedule, net proceeds, program comparison.
Open toolEquipment Finance
Loan vs. lease, Section 179 deduction, FMV residual, tax savings.
Open toolCommercial Real Estate
Balloon amortization, DSCR check, cash-on-cash return.
Open toolFactoring & MCA
Factor-rate to effective APR. See why merchant advances cost 60%+.
Open toolMCA Survival Guide
The math behind daily-debit cash advances and how to escape one.
Read guideCredit & Underwriting
Global Cash Flow
Multi-guarantor waterfall: business CFADS plus after-tax personal NCF into one Global DSCR.
Open toolFCCR Simulator
Fixed Charge Coverage Ratio with leases and CPLTD. The covenant test DSCR misses.
Open toolCash Conversion Cycle
DIO + DSO − DPO vs. industry medians. Sizes the working-capital line of credit you actually need.
Open toolLong-Form Guides
Paired with every calculator. Written by a human. Verified against published lender guidelines.
First-Time Home Buyer: The 2026 Math
Closing costs you didn't know about, LTV thresholds, and why 5% down usually beats 3%.
PersonalDebt Consolidation Without Getting Trapped
When a consolidation loan actually saves money, and the four fees that eat most of the win.
BusinessMerchant Cash Advance vs. Term Loan
A factor of 1.4 over 9 months is a 78% APR. Here's how to see through the sales pitch.
Frequently Asked
Do Caldridge calculators work offline?
Yes. Every calculation runs in your browser using JavaScript. No inputs are sent to a server. You can literally turn off your Wi-Fi after the page loads and the math still works.
Do you sell my data to lenders?
No. We are not a lender, broker, or lead generator. We do not collect or sell any calculator inputs. Display ads are the entire business model — no sign-ups, no emails, no partner funnels.
How accurate is the credit-risk estimate?
The approval odds are a heuristic calibrated to 2024–2026 U.S. consumer credit data. It combines FICO tier × debt-to-income multiplier × loan-type rate adjustment. It is directional, not a lender decision. Real underwriting pulls your credit, verifies income, and evaluates collateral.
Which calculator should I use for a HELOC?
Use the HELOC calculator. It separates the interest-only draw payment from the later repayment payment, estimates available equity, and stress-tests rate changes.
Is Caldridge free?
Yes. The site is supported entirely by display advertising. No sign-up, no paywall, no freemium tier. If you run an ad blocker, everything still works and we won't nag you.