LoanQuantum vs Can I Swing It?

See your real monthly payment before you borrow. LoanQuantum is a free mortgage and loan calculator for US home buyers, car shoppers, students and anyone paying down debt. MORTGAGE CALCULATOR WITH TAXES, INSURANCE, PMI AND HOA • Your full monthly payment (PITI): principal and interest, property tax, home insurance, PMI and HOA dues. • PMI estimated when you put less than 20% down, and the month it ends (78% loan-to-value). • Extra monthly or yearly payments: see the interest you save and how much sooner you are mortgage-free. • Amortization schedule year by year and a balance chart. • Download a PDF report or an Excel schedule to share with a partner or lender. AUTO LOAN CALCULATOR • Vehicle price, down payment, trade-in and what you still owe on it (negative equity). • Your state's sales tax, title and dealer fees, financed or paid at signing. • Monthly car payment, total interest and the true total cost of the car. PERSONAL AND STUDENT LOANS • Personal loan payment by APR and term. • Student loans with years left in school, grace period, subsidized loans, and what happens to unpaid interest. REFINANCE CALCULATOR • New payment, monthly savings and your break-even month after closing costs. • Interest saved and lifetime savings, with current and new balance side by side. DEBT PAYOFF PLANNER • Add credit cards and loans, set one monthly budget. • Compare the avalanche (highest rate first) and snowball (smallest balance first) methods. • Your debt-free date, payoff order and interest saved versus paying only the minimums. COMPARE LOAN OFFERS • Up to three offers side by side: monthly payment, total interest, total cost and payoff date. • See which offer really costs the least, even when its payment is higher. HOW MUCH HOUSE CAN I AFFORD? • Comfortable and stretch price for a home or car from your income, debts and credit score. • Debt-to-income and housing ratios explained the way lenders look at them. QUANTUM COPILOT • Ask loan questions in plain English and get answers with the numbers worked out. SAVE AND COME BACK • Save any calculation to your free account and open it on any device. Results update as you type or move a slider. Every figure is calculated by the same engine as loanquantum.com, so the app, website and reports always agree. LoanQuantum provides estimates for educational purposes only. It is not a lender, does not offer loans and does not provide financial advice. Your actual rate, payment and costs depend on the lender and your credit. Privacy Policy: https://www.loanquantum.com/privacy-policy/

Can I Swing It? helps you answer one simple question, can I actually afford this? before you commit to a major purchase like a home or car. Most tools show the maximum a lender might approve. This app shows what typically keeps your budget healthy. How It Works: Enter your gross income and state Choose Home, Car, or Both Select a lifestyle approach: Conservative, Average, or Aggressive Instantly see safe price ranges and monthly cost breakdowns All calculations are based on commonly used affordability guidelines, with clear assumptions you can review. What You’ll See: Estimated net monthly income Recommended home price and/or car price Monthly payment breakdowns: Mortgage or loan Property tax or insurance Required fees (estimated) A simple verdict: Safe Stretch Risky Key Features: Home and auto affordability in one app Conservative, transparent budgeting rules Side-by-side scenario comparisons Dark mode and light mode Save and revisit scenarios No ads. No lender influence. Important Disclaimer: All estimates are informational only and based on averages. Actual taxes, insurance, rates, and fees vary. This app does not provide financial, legal, or tax advice. EULA: https://jsellurs.com/eula Privacy Policy: https://jsellurs.com/privacy