Valuable Calculator™ — Old-School + Mortgage Tools

Old-School Calculator

Tip: click the display to type numbers & operators from your keyboard.

🏡 Equity (Mortgage + Liens + Available)

Estimated Home Value ($)

Primary Mortgage Balance ($)

Other Liens (HELOC, Solar, 2nd) ($)

Benchmark LTV (%)

Total Debt

$0

LTV

0%

Max @ Benchmark

$0

Available @ Benchmark

$0

Mortgage Other liens Available estimated equity Untouchable equity

The ring is your home’s value (outer = 100%). From the top “start” mark clockwise: Mortgage (mauve) + Other Liens (mint) that are eating up equity already, gold shades available estimated equity, and cream shows untouchable equity (based on assumed LTV rules). As always, speak to a licensed professional and have them explain your solution.

📅 Amortization with Start Date + Extra Payments

Original Loan Amount ($)

APR (%)

Term (years)

Origination Date

Current Balance (optional)

Extra Principal ($/mo)

Bi-weekly plan

One-time Lump ($)

Lump at month #

Base P&I

—

Projected Payoff

—

Interest Saved

—

Months Saved

—

#	Date	Payment	Interest	Principal	Extra	Balance

Educational only. Principal & interest shown (escrows not included). Not a commitment to lend. Bi-weekly: modeled transparently as about one extra monthly payment per year (26 half-payments ≈ 13 monthly). Always consult a licensed professional.

🔄 Refinance Break-Even

Total refinance costs ($)

Monthly payment savings ($)

Break-even (months)

—

Rounded up

—

Formula: months = total refinance costs ÷ monthly savings. If savings ≤ 0, break-even is not achievable.