Free Personal Finance Calculators

Merger Arbitrage Spread Calculator

Personal Finance Calculators

Free Personal Finance Calculators

Merger Arbitrage Limited provides a number of FREE personal finance calculators for traders and investors. Amongst these are a number of calculators for personal finance and investing. As an example, why not take advantage of our handy loan calculators below.

More importantly, visit our merger arbitrage spread tracker page or even peruse our mergers & acquisitions arbitrage book list or finance orientated movie list. If you’ve been following our M&A news feed, our CMA news feed or even our unique in-house PR Newswire feed you may have identified a potential arbitrage deal from China, India, UK, Canada or Australia amongst others. In which case, we’ve included a handy currency converter so you can calculate the spread into your chosen base currency. The tool can also be used for any tourist rates you may be interested in or any FOREX dealings.

We’re constantly improving our tools to assist our readers and these FREE Personal Finance Calculators are constantly undergoing upgrades. We appreciate any thoughts or comments that may help us improve our service to you all.

Currency & Cryptocurrency Converter

How to Use:

Select the base currency in the “From” section
Select the currency or cryptocurrency you wish to convert to in the “To” section
Enter the amount of currency you wish to convert in the “Amount” section
Don’t worry if you have the FOREX values the wrong way round, simply click the switch icon to the right of the “Amount” to reverse the calculation
You conversion total is shown at the bottom of the box

Loan Repayment Calculator

Merger Arbitrage Limited has added a universal loan calculator. If you have any outstanding debt repayments, you can use this loan payment calculator to check you are in line with the current bank loan market. The popular personal finance website lendingtree.com is a frequent advertising partner with this site. You can use the calculator to quickly double check their rates for yourself before clicking an advert.

If you are considering a new loan, this calculator works for all types of financing so you can calculate your repayments. Auto loans, college loans, secured loans, standard loans etc. Just simply put in the loan details (Interest Rate with a decimal point) and see what repayments are required.

Mortgage Repayment Calculator

Buying a new house? Need a mortgage? We’ve got that covered as well. Just see the calculator below and calculate your new mortgage expenses.

Simply enter the value of the property and any down payment you are making.
The “Amount of Loan” field will automatically recalculate for you.
Enter how many monthly payments (300 for 25 years, 360 for 30 years etc.) and the annual interest rate.
Simply ignore the Points, Taxes, Insurance and Private Mortgage Insurance (PMI) if these do not apply. If you have the Private Mortgage Insurance (PMI) details, you can go ahead and enter the annual payment values.
Payment method is most often the “end-of-month“.
Now hit “calc” and review the results.

Original Size

Mortgage Calculator Help

You can calculate the mortgage loan amount from the price of the real estate by providing the down payment percentage.

If you know the mortgage amount you can afford and the cash down payment percentage required, you can calculate the affordable real estate price.

Or if you know the price of the real estate and the loan amout and enter "0" for the down payment percentage, the calculator will calculate the down payment amount and percentage.

Points, Annual Property Taxes, Annual Insurance and Private Mortgage Ins. (PMI) are all optional. If you enter values, the periodic portion of each will be calculated and shown on the schedule. Property taxes and insurance are combined under escrow.

If a borrower does not have cash to cover at least 20% of the purchase price, some lenders will require the borrower to purchase private mortgage insurance (PMI) to cover against a possible default. Premiums are typically 0.5% to 2.0% of the original loan amount. The borrower can drop the insurance coverage once the mortgage balance is less than 80% of the original purchase price. The calculator handles this automatically. (There may be other conditions as well under which the lender will no longer require PMI. One such case might be apprciation of the real estate.)

Points are charges that are normally due at closing. Borrowers (normally only in USA) may select to pay a lender "points" up front in exchange for a lower interest rate. Points are expressed in percent and are calculated on the amount borrowed. 3 points on a $200,000 mortgage equals $6,000. If the user enters points, this calculator includes their value in the summary and as part of the total payment at loan origination on the payment schedule.

The term (duration) of the loan is expressed as a number of months.

60 months = 5 years
120 months = 10 years
180 months = 15 years
240 months = 20 years
360 months = 30 years

Need more options including the ability to solve for other unknowns, change payment / compounding frequency and the ability to print an amortization schedule? Please visit, https://AccurateCalculators.com/mortgage-calculator

Free Personal Finance Calculators

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