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Not sure which of the 92 tools you need? Filter by your goal or who you are, search in plain English, and each card tells you what it answers, what you’ll learn, and who it’s for.

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Showing 92 of 92 calculators

FASTCALC

Advanced

Answers: which lending strategy is best by comparing multiple scenarios side by side

What you’ll learn
Side-by-side scenario comparisonPayment/payoff/cost by optionRecommended plan

For: advisors & loan officers, homeowners · 👤

New Home Prequal

Basic

Answers: how much mortgage you could prequalify for

What you’ll learn
Estimated qualifying loan amountPrequalification range

For: home buyers · 👤

Purchase Target

Basic

Answers: the target house price, down payment, and rate for the range to shop in

What you’ll learn
Target purchase priceSupportable loan amountPrice range

For: home buyers · 👤

Rent -vs- Own

Basic

Answers: whether renting or buying costs less for you long-term, and when buying pulls ahead

What you’ll learn
Rent vs buy total costBreak-even yearEquity built by buying

For: home buyers · 👤

Home Purchase

Basic

Answers: your monthly payment on a specific home

What you’ll learn
Monthly PITI paymentLoan amountTotal interest

For: home buyers · 👤

Home Refinance

Basic

Answers: how much you can save by refinancing — the new payment and monthly + lifetime savings

What you’ll learn
New monthly paymentMonthly savingsLifetime interest savings

For: homeowners · 👤

Discount Points

Basic

Answers: whether paying discount points to buy down your rate is worth it

What you’ll learn
Payment savingsBreak-even monthNet cost/benefit of buying points

For: home buyers, homeowners · 👤

Temporary Buydown

Basic

Answers: how much a temporary buydown lowers your early payments, and its cost

What you’ll learn
Reduced payment by yearTotal buydown costFirst-years savings

For: home buyers · 👤

Mortgage Insurance

Basic

Answers: how much PMI costs and when it goes away

What you’ll learn
Monthly mortgage-insurance costWhen PMI can be removedCost by down-payment level

For: home buyers · 👤

Target Cashflow Savings

Basic

Answers: how to budget to hit a monthly savings goal

What you’ll learn
Budget allocationFeasibility of the savings goalSurplus/shortfall

For: savers & wealth builders, homeowners · 👤

Debt Snowball

Basic

Answers: the order to pay your debts and your exact debt-free date

What you’ll learn
Payoff orderDebt-free dateTotal interest paid

For: people paying off debt · 👤

What's Missing

Basic

Answers: what's missing from your financial plan

What you’ll learn
Identified gaps / missing elementsPrioritized attention areas

For: homeowners, advisors & loan officers · 👤

Prepay or Invest

Basic

Answers: whether you're better off prepaying your mortgage or investing

What you’ll learn
Prepay vs invest ending wealthBreak-even returnRecommended path

For: homeowners, savers & wealth builders · 👤

Target Payoff

Basic

Answers: the payment you need to pay off your loan by a date you choose

What you’ll learn
Required monthly paymentInterest savedComparison to current schedule

For: homeowners, people paying off debt · 👤

Tipping Point

Basic

Answers: when your refinance breaks even — the month its savings recoup the closing costs

What you’ll learn
Break-even monthNet savings if you stayGo/no-go signal

For: homeowners · 👤

Fixed/ARM Repayment

Basic

Answers: whether a fixed rate or an ARM is better for you, and the ARM's worst case

What you’ll learn
Fixed vs ARM payment over timeWorst-case ARM paymentBreak-even horizon

For: home buyers, homeowners · 👤

Extra Payment

Basic

Answers: how much sooner extra payments pay off your loan, and the interest saved

What you’ll learn
New payoff dateInterest savedMonths shaved off

For: homeowners, people paying off debt · 👤

Mortgage Term

Basic

Answers: how loan term length changes your payment and total interest

What you’ll learn
Payment at each termTotal interest at each termInterest saved by a shorter term

For: home buyers, homeowners · 👤

Interest Rate Impact

Basic

Answers: how rate changes affect how much house you can afford

What you’ll learn
Supportable loan amount at each rateChange in buying powerAffordable price range

For: home buyers · 👤

Rate Reduction

Basic

Answers: your effective interest rate after points or other rate reductions

What you’ll learn
Effective percentage rate (EPR)True cost after reductions

For: homeowners · 👤

Blended Rate

Basic

Answers: your blended (weighted-average) rate across multiple loans

What you’ll learn
Blended (weighted-average) rateTotal combined balance

For: homeowners, people paying off debt · 👤

Rental Ratios

Basic

Answers: whether a rental passes a quick screen — cap rate, GRM, cash-on-cash, and the 1% rule

What you’ll learn
Cap rateGross rent multiplierCash-on-cash1% rule check

For: real-estate investors · 👤

Schedule-E Analyzer

Advanced

Answers: how efficient your rental income is after expenses and depreciation (Schedule E)

What you’ll learn
Net rental income efficiencySchedule-E viewTaxable income impact

For: real-estate investors · 👤

Cost of Waiting

Basic

Answers: what delaying your home purchase costs as prices and rates rise

What you’ll learn
Future price & payment after waitingAdded lifetime cost of waitingNow-vs-later comparison

For: home buyers · 👤

First Million

Basic

Answers: how long until you reach $1M and what to save each month to get there

What you’ll learn
Years to $1MRequired monthly savingsGrowth path

For: savers & wealth builders · 👤

Save Now or Later

Basic

Answers: how much starting to save early is worth versus waiting

What you’ll learn
Ending balance early vs lateCost of waiting to saveCompounding effect

For: savers & wealth builders · 👤

Lump or Monthly Savings

Basic

Answers: whether to invest a lump sum or spread it into monthly contributions

What you’ll learn
Lump-sum vs monthly ending balanceDifferenceRecommended approach

For: savers & wealth builders, real-estate investors · 👤

Dividend Growth

Basic

Answers: how much wealth dividend reinvestment can build

What you’ll learn
Projected portfolio valueDividend income over timeCompounded growth

For: savers & wealth builders, real-estate investors · 👤

F.I.R.E. Planner

Advanced

Answers: when you can reach financial independence and the savings rate to get there

What you’ll learn
Years to financial independenceFIRE numberPortfolio path

For: savers & wealth builders · 👤

Mortgage Holiday

Basic

Answers: what a mortgage payment holiday does to your cash flow, and its later cost

What you’ll learn
Cash freed up during the holidayAdded cost afterwardPayoff impact

For: homeowners · 👤

Rule of 72

Basic

Answers: how long until your money doubles (the Rule of 72)

What you’ll learn
Years to doubleRequired rate to double in a period

For: savers & wealth builders · 👤

Simple HELOC

Basic

Answers: how large a HELOC you could open against your home equity

What you’ll learn
Estimated available credit lineUsable equity

For: homeowners · 👤

Buy or Lease Car

Basic

Answers: whether to buy or lease your next car

What you’ll learn
Buy vs lease total costMonthly comparisonBetter option

For: savers & wealth builders, homeowners · 👤

Income Awareness

Basic

Answers: where your money actually goes and your true total cash flow

What you’ll learn
Total cash flow pictureSpending breakdownSurplus available to save

For: savers & wealth builders · 👤

Purchasing Power

Basic

Answers: how much house you can afford based on your income

What you’ll learn
Affordable priceSupportable loan amountMax payment at DTI

For: home buyers · 👤

Compare Loans

Basic

Answers: which of two loan options is better

What you’ll learn
Side-by-side paymentsTotal cost of eachBetter option

For: home buyers, homeowners · 👤

House Appreciation

Basic

Answers: what your home might be worth in the future

What you’ll learn
Projected future valueEstimated equity growthAppreciation curve

For: homeowners, home buyers · 👤

College Tuition

Basic

Answers: how much to save for future college costs

What you’ll learn
Projected college costRequired monthly savingsFunding gap

For: savers & wealth builders · 👤

Social Security Start

Basic

Answers: the best age to start Social Security to maximize lifetime benefits

What you’ll learn
Lifetime benefits by claiming ageBreak-even ageOptimal start age

For: retirees (62+), savers & wealth builders · 👤

LendsightAI HECM

Advanced

Answers: the range of outcomes and downside risk of your reverse-mortgage strategy

What you’ll learn
Value-at-risk / downside rangeProbability of successDistribution of outcomes

For: retirees (62+), real-estate investors · 👤

HECM Refinance

Basic

Answers: whether refinancing your existing reverse mortgage adds enough benefit

What you’ll learn
Additional proceeds from refinancingBreak-even vs. closing costsWhether the benefit rule is met

For: retirees (62+) · 👤

HECM Purchase

Basic

Answers: the down payment you need to buy a home with a reverse mortgage

What you’ll learn
Required down paymentHECM proceeds applied to the purchaseEstimated closing costs

For: retirees (62+) · 👤

HECM Reverse Mortgage

Basic

Answers: how much a reverse mortgage could pay you, and whether you qualify

What you’ll learn
Principal limitNet available proceeds after payoff & costsRough eligibility

For: retirees (62+) · 👤

Student Loans

Basic

Answers: how to pay off your student loans and which repayment plan fits

What you’ll learn
Payoff timeline by planTotal interestRecommended repayment approach

For: people paying off debt · 👤

ADV - Repay or Invest

Advanced

Answers: whether to refinance and then prepay or invest the freed-up cash flow

What you’ll learn
Refi + prepay vs refi + invest ending wealthOptimal strategyCash-flow plan

For: homeowners, real-estate investors · 👤

ADV - Cost of Waiting

Advanced

Answers: what waiting to buy costs across different market scenarios

What you’ll learn
Cost of waiting per scenarioRange of outcomesBest/worst-case timing

For: home buyers, real-estate investors · 👤

ADV - Additional Dwelling

Advanced

Answers: whether building an ADU is worth it and its return

What you’ll learn
ADU return on investmentPayback periodCash-flow impact

For: real-estate investors, homeowners · 👤

ADV - HELOC Accelerator

Advanced

Answers: whether a HELOC payoff strategy beats extra payments, and the interest + years it saves

What you’ll learn
Interest savedYears shaved off the loanPayoff timeline

For: homeowners, people paying off debt · 👤

ADV - Stay or Go

Advanced

Answers: whether it makes financial sense to move or stay in your home

What you’ll learn
Cost of moving vs stayingBreak-evenNet financial impact

For: homeowners · 👤

ADV - Compare Mortgages

Advanced

Answers: which of several mortgages has the lowest lifetime cost

What you’ll learn
Full comparison matrixBreak-even between optionsLowest lifetime-cost choice

For: home buyers, homeowners · 👤

ADV - Refi Break-Even

Advanced

Answers: your true refinance break-even, accounting for resetting the loan term

What you’ll learn
True break-even pointNet lifetime cost/benefitEffect of resetting the term

For: homeowners · 👤

ADV - Rental Analyzer

Advanced

Answers: whether a rental is a good deal — its cash flow, cap rate, and total return

What you’ll learn
Cash flowCap rate & cash-on-cash returnTotal ROI / IRR

For: real-estate investors · 👤

ADV - Savings Growth

Advanced

Answers: what your savings could grow to over the long term

What you’ll learn
Long-term balanceInflation-adjusted valueGrowth trajectory

For: savers & wealth builders · 👤

ADV - Rent -vs- Own

Advanced

Answers: whether renting-and-investing or owning wins long-term, inflation-adjusted

What you’ll learn
Inflation-adjusted net worth: rent vs ownLong-run break-evenEffect of investing the difference

For: home buyers, real-estate investors · 👤

Competency Test

Basic

Answers: how strong your knowledge is and which calculators fill your gaps

What you’ll learn
Knowledge scoreIdentified gapsRecommended calculators for each gap

For: advisors & loan officers · 🧑‍💼

Pin/Fin Budget

Basic

Answers: how to budget your personal income and expenses

What you’ll learn
Budget overviewIncome vs expensesCategory tracking

For: savers & wealth builders · 👤

State Closing Costs

Basic

Answers: typical closing costs in your state

What you’ll learn
Estimated closing costs by stateTypical cost breakdown

For: home buyers, advisors & loan officers · 👤

First Time Buyers

Basic

Answers: how to buy your first home and which tools to use

What you’ll learn
First-time-buyer guidanceProcess overviewWhich tools to use

For: home buyers, advisors & loan officers · 👤

Loan Producer Volume

Advanced

Answers: how mortgage consolidation affects your loan-production volume

What you’ll learn
Production-volume impactConsolidation effectProducer metrics

For: advisors & loan officers · 🧑‍💼

Credit Scoring

Basic

Answers: how your credit score is trending and what drives it

What you’ll learn
Credit-score trendsDriving factorsImprovement insights

For: home buyers, homeowners, advisors & loan officers · 👤

Housing Appreciation

Basic

Answers: how housing prices are trending in the market

What you’ll learn
Housing appreciation trendsMarket price dataHistorical context

For: home buyers, real-estate investors, advisors & loan officers · 👤

Realtor Producer Volume

Advanced

Answers: your real-estate sales production and volume metrics

What you’ll learn
Production analysisVolume metricsPerformance view

For: advisors & loan officers · 🧑‍💼

Renovation Analyzer

Advanced

Answers: how to finance a renovation and whether it's worth the added value

What you’ll learn
Financed renovation cost & paymentValue added vs costNet benefit

For: homeowners, home buyers, real-estate investors · 👤

401(k) for Purchase

Basic

Answers: whether using your 401(k) for a home purchase is worth the cost

What you’ll learn
Funds available for purchaseTaxes/penalties & costRetirement-savings trade-off

For: home buyers · 👤

Tale Two Brothers

Basic

Answers: how two mortgage strategies compare over a lifetime

What you’ll learn
Side-by-side story of two mortgage strategiesLong-run outcome contrast

For: advisors & loan officers, homeowners · 👤

Dreams For All

Basic

Answers: how the Dream For All down-payment-assistance program works for you

What you’ll learn
Assistance availableShared-appreciation repaymentNet benefit to the buyer

For: home buyers · 👤

Buy, Borrow, Die

Advanced

Answers: how the buy, borrow, die wealth strategy works

What you’ll learn
Borrow-vs-sell comparisonTax efficiencyWealth-transfer effect

For: savers & wealth builders, real-estate investors, advisors & loan officers · 👤

S&P 500 Annual Returns

Basic

Answers: what historical stock-market (S&P 500) returns have actually been

What you’ll learn
Historical S&P 500 annual returnsLong-run averageMarket-history context

For: real-estate investors, savers & wealth builders, advisors & loan officers · 👤

Tale of Two Tellers

Basic

Answers: how two savers' habits lead to very different results

What you’ll learn
Side-by-side story of two saversCompounding-habit contrast

For: savers & wealth builders, advisors & loan officers · 👤

Student Loan Debt

Basic

Answers: how student-debt analysis can help you get started

What you’ll learn
Overview of student-debt analysis and how to start

For: people paying off debt, advisors & loan officers · 👤

Liability Management

Basic

Answers: what liability management is and how to structure your debt

What you’ll learn
Understanding of liability-management fundamentals and strategy

For: advisors & loan officers, homeowners · 👤

Annual Review

Basic

Answers: annual-review strategies to find savings and optimize your plan

What you’ll learn
A structured set of annual-review, money-saving strategies to walk through

For: advisors & loan officers, homeowners · 👤

US Balance Sheet

Basic

Answers: what the U.S. household balance sheet looks like

What you’ll learn
U.S. household balance-sheet visualizationAggregate assets/liabilities/net worth

For: advisors & loan officers · 🧑‍💼

When Rates Fall

Basic

Answers: how much a rate drop would lower your payment, and your refinance target rate

What you’ll learn
Payment reduction at each rateMonthly & lifetime savingsRefinance target rate

For: homeowners · 👤

HECM Mortgage Book

Basic

Answers: how reverse mortgages work — concepts, eligibility, and pros and cons

What you’ll learn
Understanding of how reverse mortgages work, who qualifies, and common strategies

For: retirees (62+), advisors & loan officers · 👤

Atomic Growth

Basic

Answers: how small, consistent amounts compound into big results over time

What you’ll learn
Compounded growth visualizationEnd result of small steady inputs

For: savers & wealth builders · 👤

7-Steps Interview

Basic

Answers: how to run the 7-step Borrow Smart client interview

What you’ll learn
Guided 7-step interviewDiscovery questionsClient-goal framing

For: advisors & loan officers · 🧑‍💼

7-Steps Process

Basic

Answers: how the 7-step Borrow Smart process works

What you’ll learn
The 7-step process explainedMethodology and rationale

For: advisors & loan officers · 🧑‍💼

Rental Coach

Basic

Answers: how to approach rental-property investing

What you’ll learn
Rental-investing strategy guidanceCoaching on approach and decisions

For: real-estate investors, advisors & loan officers · 👤

ADV - Net Worth Pro

Advanced

Answers: your net worth now and where it's headed

What you’ll learn
Net worth now and projectedAsset/liability breakdownProgress to goals

For: savers & wealth builders · 👤

ADV - Retirement Analyzer

Advanced

Answers: whether your retirement income will last, and your withdrawal plan

What you’ll learn
Retirement income projectionProbability income lastsWithdrawal plan

For: retirees (62+), savers & wealth builders · 👤

ADV - Annuity Analyzer

Advanced

Answers: whether an annuity fits your plan, and which one

What you’ll learn
Payout comparisonEffective returnGuaranteed income

For: retirees (62+), savers & wealth builders · 👤

ADV - Mortgage Interest

Advanced

Answers: what your mortgage interest is worth in tax savings

What you’ll learn
Tax savings from mortgage interestAfter-tax mortgage costItemize vs standard

For: homeowners · 👤

ADV - Mortgage Points

Advanced

Answers: whether and how your mortgage points are tax-deductible

What you’ll learn
Deductible amount (now vs amortized)Tax benefit of pointsAfter-tax cost

For: homeowners, home buyers · 👤

ADV - VA Estimator

Advanced

Answers: your VA loan entitlement, funding fee, and how much you can borrow

What you’ll learn
Available entitlementVA funding feeSupportable loan amount

For: home buyers · 👤

ADV - Streamline FHA

Advanced

Answers: your savings and MIP costs on an FHA streamline refinance

What you’ll learn
New paymentUpfront & annual MIPNet savings

For: homeowners · 👤

ADV - Reverse Analyzer

Advanced

Answers: how your reverse-mortgage balance and home equity evolve over the years

What you’ll learn
Year-by-year loan balanceRemaining / heirs' equityLine-of-credit growth

For: retirees (62+) · 👤

ADV - HECM Seq. Returns

Advanced

Answers: how a HECM line of credit can protect your portfolio in a market downturn

What you’ll learn
Portfolio longevity with vs. without the HECM bufferDraw-coordination scheduleDepletion-risk reduction

For: retirees (62+), real-estate investors · 👤

ADV - HECM Lifestyle Sim

Advanced

Answers: whether your retirement income plus a reverse mortgage supports your lifestyle

What you’ll learn
Lifestyle sustainabilitySafe spending capacityShortfall / surplus over time

For: retirees (62+) · 👤

CMG HELOC Strategy

Advanced

Answers: the interest and time a HELOC payoff strategy saves

What you’ll learn
Interest savedYears shaved off the loanPayoff timeline

For: homeowners, people paying off debt · 👤

HELOC Comparison

Advanced

Answers: which HELOC payoff scenario saves you the most

What you’ll learn
Side-by-side interest savedComparative payoff timelinesBest-scenario ranking

For: homeowners, people paying off debt · 👤

Velocity Banking

Advanced

Answers: how much velocity banking would cut your interest and shorten your payoff

What you’ll learn
Interest savedAccelerated payoff timelineCash-flow requirement

For: homeowners, people paying off debt · 👤