These four calculators are for people in the United States who borrow money: a car loan, a student loan, a credit card or a mortgage. They are built from the published rules they name, such as the Consumer Financial Protection Bureau’s definitions and Fannie Mae’s Selling Guide, and from standard repayment arithmetic. They are published as Baseer Tools Editorial, not by a lender or a US financial adviser, so treat every result as an estimate and confirm anything you will rely on with your lender.
The loan payoff calculator plans the order to clear several debts and shows the month you finish. The credit card interest calculator shows the daily rate, what your next payment is made of and what the minimum really costs. The debt-to-income calculator works out the ratio a lender checks first, and the home affordability calculator turns income, debts and a deposit into a maximum price with the full monthly payment.
Everything runs in your browser and nothing you type is uploaded. Your figures are saved on your own device so the page remembers them next time, and every page has a button that clears them. Each page says plainly what it does not cover.
Which one do you need?
Guides that explain the rules behind these tools
Each guide is written around a question people really ask, shows its working and names its sources.
- How to pay off debt faster: A practical order of work for clearing debt: take an inventory, work out one month by hand, choose an order, roll each cleared payment onto the next debt, and keep the plan alive when life interferes.
- How credit card interest works: How credit card interest works: the billing cycle and daily rate, how a grace period is lost, more than one APR, where your payment goes, what a missed payment costs and what the minimum is designed to do.
- How to calculate debt-to-income ratio: How a lender calculates debt-to-income ratio, what counts as a debt and as income, how deferred student loans, co-signed debts and self-employment are treated, and what to do if the number is too high.
- What lenders check before a mortgage: What lenders check beyond the debt-to-income ratio: credit score, deposit sourcing, reserves, income history, the late mistakes that sink applications, and pre-qualification against pre-approval.
- How to calculate your salary: How to turn pay into a yearly salary, see take-home pay, compare two job offers, convert a contract rate, and understand why a raise never leaves you worse off.
Before you rely on a result
The tools in this group make documents and estimates from the figures you type. They are not legal, tax, accounting or religious advice, and they cannot know your contract, your local rules or your circumstances. Every tool page says who should not use it and where it can be wrong, names the sources behind any rule it applies, and shows the date it was last updated. If a figure will be filed, signed or paid, have it checked by a qualified person first. Read the disclaimer and the editorial policy, and report a mistake through the contact page.
