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Mortgage and Loan Calculator Analyzer

By Debt Management Tool by TSI Free Editors' Rating

Editors' Review

Download.com Staff Jun 12, 2011

Mortgage and Loan Calculator Analyzer from Debt Management Tool by TSI: It actually takes about as long to type that out as it does to display detailed information about your home mortgage, provided, of course, that you have your records and figures handy. It's optimized for mortgages, but it can calculate the rates and schedules for other loans, too.

Mortgage and Loan Calculator Analyzer opens with an example mortgage displayed in its businesslike interface, with several other examples available in the Mortgage List field. Large buttons labeled Add, Copy, and Delete let us remove the examples easily when we were done with them. We clicked Add, changed the name of the new mortgage from Test Mortgage to something more personal and memorable, and entered a variety of data such as term, interest rate, and loan total, and selected values from drop-down menus for Pay Cycle and Compounded. We clicked Calculate, and the program displayed our payments, remaining loan, and the date it would be paid off. Buttons labeled Edit Payments and Amortization Table called up useful tables that we could also access from the Tables menu. There's a good Help file and some useful links, but Mortgage Loan Calculator Analyzer is extremely easy to use, even if you're just experimenting with some possible mortgages.

Mortgage and Loan Calculator Analyzer is freeware that works just fine in just about any copy of Windows from 95 to 7. While there are mortgage analyzers that offer more options, this program is easier to use than most, and it's also good for other types of loans.

Full Specifications

What's new in version 2.1

Minor bug fixes.

General

Date Added August 24, 2011
Version 2.1

Operating Systems

Additional Requirements None

Popularity

Total Downloads 5,164
Downloads Last Week 0
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Developer's Description

If you want to analyze and understand the details of your mortgage or of your loans, this software tool maybe able to help. This program first acts as a mortgage calculator. You can save different mortgages and loans as well, so you can then compare them or refer to them later. There are a wide range of features and data. You can enter the standard loan information like loan start date, loan amount, interest rate, and the length or term. You can also entered advanced features if you want like changing the compound rate from monthly to weekly or the cycle time (how often payments are made). The best feature of this program, however, is probably the ability to edit a loan once it is entered. You can select edit payments and change the value of any payment over the course of the mortgage. The software will then recalculate the rest of the loan so you can see the impact and results of the changes. You could show a missed payment, an extra payment, additional payments, and then see how they alter your loan. Its a great way to try and pay off your loan or mortgage early. You can add in a few extra dollars a month and see how much earlier you will pay it off. On the main screen Remaining Loan and Payoff Date are both tracked so you can monitor where you are. One thing to keep in mind is that the results of this program will likely differ some from your lender. Any final payments or payoffs should be discussed with them. This is a free program to download and use.