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Pat Quinn, Governor
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Financial Tools and Calculators

Our Online calculators provide quick and easy access to mortgage calculations and information for the public interest.

Take control of your finances. These handy tools are designed to help you make smart decisions. Be a better-informed borrower. What is the true cost of your loan? Is it better to take the lower interest rate or the longer payoff period? What will your monthly payments be? How much interest will you pay during the life of the loan? How much faster could you pay off the loan if you make additional payments? How much interest will you save?

Mortgage Amortization - Use this calculator to generate an amortization schedule for your current mortgage. Quickly see how much interest you will pay, and your principal balances.

Monthly Payment- Allows you to explore the outcome of changes to your loan balance, mortgage term, and interest rate on your monthly P&I payments.

Qualification Mortgage Estimator- Shows you how much income you need to buy a home, based on your income and other factors.

Mortgage Calculator- Which loan is cheaper: 8% at 1 point or 7.75% at 2 points. By comparing the APRs of different loans, you can compare the effective cost of a loan for given period of time.

Biweekly Mortgage- This calculator will show you how much you will save if you make 1/2 of your mortgage payment every two weeks instead of making a full mortgage payment once a month. In effect, you will be making one extra mortgage payment per year--without hardly noticing the additional cash outflow. But, as your about to discover, you will certainly notice the increased cash flow that will occur when you pay your mortgage off way ahead of schedule!

Mortgage Refinance - This Calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.

Loan Comparison - This calculator will help you to compare the total interest charges of four different loans.

Basic Car Loan- The results of this loan payment calculator are for comparison purposes only. They will be a close approximation of actual loan repayments if available at the terms entered, from a financial institution.

Credit Card Minimum Payment Interest - This calculator will show you how much interest you will end up paying if you make only the minimum required payment on your credit card bill. It will also tell you how many minimum payments you will make before your balance is paid off (up to a maximum of 600 payments).

College Student's Monthly Budget- Allows you to subtract payroll deductions and living expenses from gross monthly income.

Definitions of Terms - Helpful definitions of term often used in the financial world.


Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from our qualified professionals regarding all personal finance issues. Terms and Conditions of Use. The information contained herein is believed to be reliable. However, we do not make any representations as to its accuracy or completeness. Any statements nonfactual in nature constitute only current opinions, which are subject to change.(These calculators are considered reliable, but not guaranteed.)
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