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"); doc.close(); defaultStatus = "Done!"; return; } function computeForm(form) { defaultStatus = "Please be patient when you select 'Compute Detail'"; if ((form.loanBalance.value == null || form.loanBalance.value.length == 0) || (form.marginalInterestRate.value == null || form.marginalInterestRate.value.length == 0)) { return; } if (!checkNumber(form.payments, 1, 1200, "# of payments") || !checkNumber(form.interest, 0, 99, "Interest") || !checkNumber(form.marginalInterestRate, 0, 99.999, "Marginal Tax Rate") || !checkNumber(form.loanBalance, 1, 10000000, "Principal")) { form.monthlypay.value = "Invalid"; return; } var i = form.interest.value; if (i > 1.0) { i = i / 100.0; form.interest.value = i; } i /= 12; var rate = form.interest.value; rate = i; var taxrate = form.marginalInterestRate.value; taxrate = 1.0 - taxrate/100.0; var inflate = form.inflationRate.value; inflate = 1.0 - inflate/1200.0; var deflate = 1.0; var cumint = 0.0; var cumreal = 0.0; var cumpay = 0.0; var interest = 0.0; var balance = form.loanBalance.value; var payment = form.monthlypay.value; var realpay = 0.0; var cumrawpay = 0.0; var defint = 0.0; var cumdefint = 0.0; /* cum tax adjusted deflated int */ var cumtaxpay = 0.0; /* cumulative tax adjusted payments */ cumrawpay = payment * form.payments.value; for ( ; balance > 0.0; balance = balance - principal ) { interest = balance * rate; principal = payment - interest; if ( principal > balance ) principal = balance; cumint = cumint + interest; realint = taxrate * interest; cumreal = cumreal + realint; deflate = deflate * inflate; defint = deflate * realint; cumdefint = cumdefint + defint; cumtaxpay = cumtaxpay + principal + realint; realpay = (principal + realint) * deflate; cumpay = cumpay + realpay; } form.cumInterest.value = Math.floor(100 * cumint)/100; form.taxAdjInterest.value = Math.floor(100 * cumreal)/100; form.deftaxAdjInterest.value = Math.floor(100 * cumdefint)/100; form.realPayments.value = Math.floor(100 * cumrawpay)/100; form.taxAdjPayments.value = Math.floor(100 * cumtaxpay)/100; form.cumAdjPayments.value = Math.floor(100 * cumpay)/100; } function computeMonthlyPay(form) { if ((form.payments.value == null || form.payments.value.length == 0) || (form.interest.value == null || form.interest.value.length == 0) || (form.loanBalance.value == null || form.loanBalance.value.length == 0)) { return; } if (!checkNumber(form.payments, 1, 1200, "# of payments") || !checkNumber(form.interest, .001, 99, "Interest") || !checkNumber(form.loanBalance, 1, 10000000, "Principal")) { form.monthlypay.value = "Invalid"; return; } var i = form.interest.value; if (i > 1.0) { i = i / 100.0; form.interest.value = i; } i /= 12; var pow = 1; for (var j = 0; j < form.payments.value; j++) pow = pow * (1 + i); form.monthlypay.value = Math.floor( 100 * (form.loanBalance.value * pow * i) / (pow - 1))/100 } function detailForm(form) { alert("Not Yet Implemented"); } function clearForm(form) { form.salePrice.value = ""; form.Down.value = ""; form.loanBalance.value = ""; form.payments.value = ""; form.monthlypay.value = ""; form.marginalInterestRate.value = ""; form.inflationRate.value = ""; form.interest.value = ""; form.cumInterest.value = ""; form.taxAdjInterest.value = ""; form.realPayments.value = ""; form.cumAdjPayments.value = ""; form.deftaxAdjInterest.value = "";; } // -->

Mortgage Interest Calculator


Please follow the directions carefully

You may calculate how much your new house is going to cost you.
Just use this Mortgage calculator to run the numbers.
It will show your monthly payments for your home.

Use your computers tab key to advance to the next data field.

Sale Price Actual Price of property
% Down
Payment
Percentage of down payment
not Currency amount - % of loan i. e. 10, 15, 20 etc.
Loan Balance Actual Amount of Loan
This reflects after the down payment amount
Interest
Rate
Interest Rate in Percentage
i.e. "7.9", "8.3", "6.4" etc.
No. of
Payments

360 = 30 year mortgage.
Total Number of Payments
You may edit this amount. (Eg. 15*12 = 15 years)
Monthly
payment
Projected Monthly Payment Amount **

These calculations are estimates based upon your input.
**Actual payment amounts may vary. This is only a guideline.
Please contact a bank or mortgage company for the correct figures.

Welcome to my Financial Tools Center. For answers to some of the most frequently asked financial questions, follow the links below for helpful tools and calculators.   Or contact me to discuss your needs in more detail.

Financial Tools

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