Calculators
Loan & Finance Calculators
Seller financing, invoice factoring, equipment loans, lease-vs-buy, and other financed-purchase decisions — free, no signup.
Loan & finance calculators
Live now — validated against published worked examples before shipping.
Seller Financing Calculator
LiveCalculate the payment and balloon balance due on an owner-financed property sale.
Roof Financing Calculator
LiveCompare payment types, plus a check on what a missed 0% promo deadline really costs.
Invoice Finance Calculator
LiveSee what invoice factoring actually pays out — as a real APR — plus overdue invoice late fees.
Classic Car Financing Calculator
LiveModel terms up to 180 months, with a warning if your term is stretching total interest too far.
Lease vs Finance Calculator
LiveCompare leasing vs. buying on net cost, accounting for the equity a financed vehicle builds.
Modular Home Financing Calculator
LiveSee whether you need a standard mortgage or a chattel loan, and what each actually costs.
Auto & Equipment Finance Calculator
LiveModels 2026 Section 179 limits and bonus depreciation for business vehicle and equipment loans.
From the blog
Deep dives to help you get more out of the calculators above.
0% APR or Cash Rebate? The Real Math on Dealer Financing Offers
Why the "free" 0% loan isn't always the cheaper option once you run the actual numbers.
Read more →Seller Financing from the Buyer's Side: What to Check Before You Sign
The due-on-sale and balloon-payment risks that matter most to the buyer, not just the seller.
Read more →Frequently asked questions
Before you pick a loan or finance calculator.
Which loan or finance calculator should I use?
Match it to the transaction — Seller Financing for an owner-financed property sale, Invoice Finance for factoring or overdue invoices, Auto & Equipment Finance for business vehicle or equipment purchases, and Lease vs. Finance or Classic Car Financing for personal vehicle decisions.
Do these calculators account for business tax deductions?
The Auto & Equipment Finance Calculator does — it models 2026 Section 179 limits and bonus depreciation. The other calculators focus on payment and total-cost comparisons rather than business tax treatment.
Are these calculators free?
Yes — every calculator on this page is free to use, with no signup or account required.