Financial Calculators

Mortgage Payment Calculator

Estimate your monthly payment including principal, interest, taxes, insurance, and PMI.

Home Price ($)

Down Payment ($)

Interest Rate (%)

Loan Term (years)

Property Tax ($/yr)

Home Insurance ($/yr)

Total Monthly

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All-in payment

Principal & Interest

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Loan payment

Tax + Insurance

—

Monthly escrow

Total Interest

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Over loan life

Year-by-Year Amortization

Year	Principal Paid	Interest Paid	Remaining Balance

Results are estimates for planning purposes. Actual payments may vary. PMI applies when down payment is under 20%. CA DRE #01480904 · NMLS #300923

Affordability Calculator

How much home can you qualify for based on your income, debts, and down payment?

Gross Monthly Income ($)

Monthly Debts ($)

Down Payment ($)

Interest Rate (%)

Loan Term (years)

Max DTI (%)

Max Home Price

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Estimated purchase price

Max Loan Amount

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Based on DTI

Max Monthly Payment

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P&I only

Your DTI Used

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Of gross income

Qualification depends on credit score, loan type, reserves, and lender guidelines. This is an estimate only. Contact SI MTG for a personalized pre-qualification.

Debt-to-Income Ratio

Calculate your front-end and back-end DTI — key factors lenders use to qualify you.

Gross Monthly Income ($)

Proposed Mortgage (P&I)

Property Tax ($/mo)

Home Insurance ($/mo)

Car Payment(s) ($/mo)

Credit Cards / Other ($/mo)

Front-End DTI

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Housing costs only

Back-End DTI

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All debts

Total Housing

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Per month

Total All Debts

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Per month

0%28%43%50%65%+

Front-end DTI: housing ÷ income. Back-end DTI: all debts ÷ income. FHA allows up to ~57% back-end with compensating factors. Conventional typically requires ≤43-45%.

Extra Payment Savings

See how much interest you save and how many years you shave off by paying extra each month.

Loan Balance ($)

Interest Rate (%)

Remaining Term (years)

Extra Payment / Month ($)

Interest Saved

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Total savings

Time Saved

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Years & months early

Original Payoff

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Without extra

New Payoff

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With extra payment

Assumes extra payment applied to principal each month. Verify with your lender that extra payments are credited correctly.

Rent vs. Buy Comparison

Compare the true 5-year cost of renting versus buying, including equity built and appreciation.

Home Price ($)

Down Payment ($)

Mortgage Rate (%)

Monthly Rent ($)

Home Appreciation (%/yr)

Years to Compare

🏠 Buying BETTER

Mortgage payments—

Tax + insurance—

Closing costs—

Equity built—

Appreciation gain—

Net cost—

🏢 Renting BETTER

Total rent paid—

Annual rent increase (3%)—

Renter’s insurance—

Equity built$0

Appreciation gain$0

Net cost—

Simplified model. Does not include maintenance (~1-2%/yr), HOA, tax deductions, or investment returns on down payment. Consult SI MTG for a personalized analysis.

Refinance Analysis Calculator

Compare your current mortgage to a new refinance — estimate monthly savings, break-even point, and lifetime interest savings.

Current Loan

Current Balance ($)

Current Rate (%)

Remaining Term (yrs)

New Loan

New Rate (%)

New Term (years)

Closing Costs ($)

Current Payment

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Per month

New Payment

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Per month

Monthly Savings

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In your pocket

Break-Even

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Months to recover costs

New Loan Amortization (First 10 Years)

Year	Principal Paid	Interest Paid	Remaining Balance

For illustrative purposes only. Rate and term subject to credit approval. CA DRE #01480904 · NMLS #300923

DSCR Calculator

Debt Service Coverage Ratio — the key metric lenders use for investment and commercial properties. A DSCR ≥ 1.25 is typically required.

Gross Rental Income ($/mo)

Vacancy Rate (%)

Operating Expenses ($/mo)

Loan Amount ($)

Interest Rate (%)

Loan Term (years)

DSCR Ratio

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Target: ≥ 1.25

Net Operating Income

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Per month

Debt Service

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Monthly payment

Effective Gross Income

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After vacancy

DSCR = Net Operating Income ÷ Annual Debt Service. Lenders typically require 1.20–1.25 minimum. Some DSCR programs have no minimum with higher LTV restrictions.

Commercial Loan Calculator

Estimate payments for commercial real estate, multifamily, mixed-use, and bridge financing.

Loan Amount ($)

Interest Rate (%)

Amortization (years)

Balloon Term (years)

Loan Type

LTV (%)

Monthly Payment

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P&I

Annual Debt Service

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Per year

Implied Property Value

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At stated LTV

Total Interest

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Full amort

Commercial loans are subject to property type, DSCR, and lender guidelines. Nationwide financing available. CA DRE #01480904 · NMLS #300923

SBA Loan Estimator

Estimate payments for SBA 7(a) and SBA 504 loans. We coach first-time SBA borrowers from application through closing.

Loan Amount ($)

SBA Program

Interest Rate (%)

Loan Term (years)

Use of Funds

Down Payment (%)

Monthly Payment

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Estimated

Down Payment

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Required equity

SBA Guarantee Fee

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Est. at ~2.77%

Total Interest

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Over loan life

SBA 7(a) variable rate = WSJ Prime + spread. Prime rate changes — verify current rate. Guarantee fee varies by loan size and term. SBA 504 debenture rate set at time of funding. CA DRE #01480904 · NMLS #300923