Finance calculators · no signup · free
The money decisions that hinge on a single number.
PMI drops at one LTV. A loan qualifies at one DSCR. A refinance pays off at one break-even month. CrunchFigure builds a precise calculator for each of these bright-line moments — and shows the full math behind every result.
Calculators
PMI Removal Date Calculator
Find the exact month your loan balance hits 80% and 78% of your home's original value — the points where you can request, then automatically lose, private mortgage insurance.
Mortgage Recast Calculator
See how a lump-sum principal payment plus a re-amortization lowers your monthly payment — and how much interest it saves over the life of the loan.
HELOC vs Cash-Out Refinance
Compare the true cost of pulling equity two ways over the period you actually plan to hold the debt — including closing costs, fees, and interest.
Rental DSCR Qualifier
Calculate the debt-service-coverage ratio lenders use to approve rental-property loans, and see whether your numbers clear the common 1.0, 1.20, and 1.25 thresholds.
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Why a calculator for one specific number?
Most financial calculators try to answer everything, and end up answering nothing precisely. CrunchFigure takes the opposite approach. Each tool here exists because a real decision turns on a single threshold, and getting that threshold wrong costs real money — months of unnecessary mortgage insurance, a refinance that never breaks even, a rental loan that gets declined at underwriting.
Every calculator does three things. It asks only for the inputs that actually move the answer. It shows the result as a clear figure rather than a wall of numbers. And it explains the formula underneath, so you can check the logic against your own loan documents instead of trusting a black box.
How to use these tools well
Pull the exact figures from your statements before you start — your original loan amount, note rate, and the property value on your appraisal or closing disclosure. Estimates produce estimates. The closer your inputs match the documents your lender used, the closer these results will track what your servicer actually does.
These calculators model the standard math that lenders and servicers follow, but every loan has its own contract. Treat the output as a well-reasoned starting point for a conversation with your servicer or loan officer, not as a final ruling on your specific account.