IntresTools

Calculate monthly loan payments and amortization, compare two loans, test refinance break-even, borrow within an 80% LTV cap, and model investment growth.

IntresTools helps you plan smarter money moves—free and offline.

Calculate monthly loan payments and full amortization, compare two loans side-by-side, test refinance savings and break-even, preview home-equity payments within an 80% LTV cap, and model investment growth with or without reinvesting interest. Everything runs on your device—no accounts, no tracking.

What you can do Loan: monthly payment, principal vs interest, full schedule Compare: A/B loans with monthly cost, total interest & balance curves Refinance: break-even rate, fees, and monthly change Home Equity: keep ≥20% equity (80% LTV cap), see combined payments Investment: contributions vs interest, reinvest toggle & charts

Privacy & trust All calculations run locally on your device. We don’t collect personal data.

Disclaimer Results are estimates for education and planning and aren’t financial advice. Check terms with your lender or advisor.