Lending Calculators
Work out the numbers behind a loan in seconds with calculators for mortgage payments, amortization, bridge and hard money costs, and fix-and-flip loan sizing.
5 free calculators · No sign-up · Nothing saved
Mortgage Payment Calculator
Full PITI estimate — principal, interest, tax, insurance, PMI and HOA — on a home purchase.
Open calculatorHard Money Loan Calculator
Monthly payment, origination points and balloon payoff on short-term bridge financing.
Open calculatorAmortization Schedule Calculator
A month-by-month principal and interest schedule, with optional extra payments and the payoff date they buy you.
Open calculatorBridge Loan Cost Calculator
Total cost of capital and effective APR on a short-term bridge loan, fees and interest included.
Open calculatorLTV / ARV Calculator
Size a fix-and-flip loan from purchase price, rehab budget and after-repair value, against both lender caps.
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Choose the right lending calculator
Home purchase or short-term loan
Use the Mortgage Payment Calculator to see the full payment on a home purchase. Use the Hard Money Loan Calculator for short-term financing, where origination points, monthly payments and the balloon payoff matter.
Compare loan repayment over time
The Amortization Schedule Calculator shows how principal and interest change month by month, and how optional extra payments bring the payoff date forward.
Evaluate bridge financing costs
The Bridge Loan Cost Calculator adds interest and fees into a total cost of capital and an effective APR for short-term bridge financing.
Size a fix-and-flip loan
The LTV / ARV Calculator sizes a fix-and-flip loan from purchase price, rehab budget and after-repair value, against the lender's caps.
These calculators are planning tools. Actual loan terms, lender requirements, fees, rates and underwriting decisions vary by transaction and lender.
Funding or Servicing Loans?
Scalance runs pre-funding collateral title reports, lien sweeps and payoff verification for private and hard money lenders.