Tools

Run your own numbers

Each calculator does one thing: turn a "small fee" into the real, annual cost — and point you to a cheaper move when the number is too high.

See the real APR behind a "tip" or fast-funding fee.

What a builder loan costs you, and how much you save back.

Fees, tax, and credit hit — the full price before you sign.

Turn any flat fee into the yearly rate it actually costs.

See whether a "pay in 4" fits your paycheck — and what stacking does.

The total to term vs. the cash price, with the early-buyout breakeven.

The same gap, priced eleven ways — cheapest to most expensive.

How much of a card's credit line the fees eat before you spend.

The order to build credit in, and how fast each move shows up.

Where on-time rent helps your score — and which scores count it.

What overdraft and maintenance fees cost you a year — and what you'd save.

Model the buyout: the company's share, your settlement, and the yearly rate.

Put both on the same numbers and see which costs you less.

Every calculator uses an illustrative model. Actual rates and terms vary. The math is shown on each page, so you can check it yourself.