Loan and note math
Loan, note, amortization and payoff calculators for the arithmetic that decides whether a deal works. Available on the web and as an iOS app for running numbers away from a desk.
How it works
The point of a calculator is not the answer. It is being able to show where the answer came from when somebody pushes back on it.
Principal, rate, term and the rest of what defines the paper go in once, in the form the note is actually written in.
The amortization schedule shows how the loan pays down period by period, not only where it lands at the end.
A payoff figure comes off the same inputs as the schedule, so the terms do not have to be re-entered somewhere else to get it.
The same calculators are reachable in a browser and as an iOS app, so the work does not have to wait until you are back at a desk.
The shape of it
The terms are entered once. The amortization schedule and the payoff figure are both worked from those same inputs, rather than in two separate tools each asking for the terms again.
The schedule and the payoff are both worked from the terms entered above, rather than in two separate tools each asking for the terms again.
What it does
The core figures a lender or note buyer reaches for, without opening a spreadsheet.
Why it matters A spreadsheet built under time pressure is where quiet arithmetic mistakes go to live.
See how a loan actually pays down over its term, period by period.
Why it matters The shape of the paydown is often what decides a deal, and a single summary figure hides it.
Work a payoff figure from the same inputs as the schedule so the two agree.
Why it matters Two tools with two answers means someone has to decide which one to trust, usually under pressure.
Calculators in the browser, plus an iOS app for running numbers away from a desk.
Why it matters The moment a figure is needed is rarely the moment you are sitting in front of a computer.
Where it fits
Pricing paper and needing the yield and payoff math to hold up while the person who wrote it is watching.
Reading an amortization schedule before the call rather than after the commitment has already been made.
Working a quick number from a phone while standing in a property, rather than waiting to get back to a desk.
What happens next
Open the web calculator in a browser, or download the iOS app from the App Store. Both are live today.
One servicing product, plus the calculators and the desktop application built around it. All three are about the same subject: the loan and the paper behind it.
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