Financial Tools — Mortgage Manager Suite
A wider toolkit, beyond the mortgage

Financial Tools

Start with the full mortgage amortization calculator, then reach for the tools around it: what you can save toward a down payment, whether refinancing is worth the switch, what a foreign-currency figure really costs you, and how a payoff or settlement plays out.

Why these belong next to the mortgage

Before you calculate
01 · Before the loan

Know what you can actually put down

How much you save and how fast changes your down payment, your loan-to-value ratio, and every schedule that follows.

02 · During the loan

Rates move, terms don't have to stay fixed

Refinancing and currency exposure both change the real cost of debt over time — worth checking well after closing, not only at signing.

03 · Closing it out

The last step deserves its own math

Payoffs, settlements, and final balances have their own rules — treating them as an afterthought is where most surprises happen.

Five tools, one panel

Pick a calculator

The mortgage calculator lives right in this suite, with a full payment-by-payment schedule under three amortization systems. The four tools below it each open their own dedicated calculator.

Mortgage Amortization Calculator Built in

The full payment-by-payment schedule

Run the complete amortization schedule under the French, German, or American system, switch between them without losing your inputs, and simulate extra payments to see the effect on interest and term.

  • French, German, and American systems, side by side
  • Extra-payment simulator with interest saved and term shortened
  • Full monthly or annual schedule, exportable as CSV
Open the Mortgage Calculator
Savings Calculator

Grow a target down payment

Model regular contributions against a target amount and timeline, with compounding, to see how long it takes to reach a down payment or reserve fund goal.

  • Compounding contributions toward a savings goal
  • Shows time-to-target under different monthly amounts
  • Useful before you even start shopping for a loan
Open the Savings Calculator
Debt Refinancing Calculator

Check if switching is worth it

Compare your current loan against a new rate and term, factoring in closing costs, to see the break-even point and total savings of refinancing.

  • Old loan vs. new loan, side by side
  • Break-even month once closing costs are covered
  • Total interest saved (or lost) over the remaining term
Open the Debt Refinancing Calculator
Currency Converter

See the real cost across currencies

Convert loan amounts, payments, or savings targets between currencies, so cross-border figures line up with what you'll actually pay or receive.

  • Live-style conversion between currency pairs
  • Applies straight to any figure from the other calculators
  • Helpful for remote buyers or income in a different currency
Open the Currency Converter
Settlement Manager

Close out a loan cleanly

Work out a full payoff quote, early-settlement penalties, or a partial-prepayment plan for whichever amortization system the loan was built on.

  • Payoff quote as of any given date
  • Early-settlement penalty, where it applies
  • Partial prepayment vs. full settlement, compared
Open the Settlement Manager

Estimates only. Actual rates, fees, and conversion values vary by lender, market, and date — confirm final figures with your bank or a financial advisor.