Your numbers, not a quote.
Every figure is one you type. No quotes, no offers, no appraisals — arithmetic on your own assumptions.
Illustrative — nothing you type here leaves this page.See how it applies to you
Payments, equity, and secured vs unsecured.
Home improvement payment
Amount, rate, term — and what a little extra does.
Shape your payment
Every number starts with you.This illustration applies the extra amount you enter to principal. A lender's real servicing rules control the loan.
Enter your numbers to begin
Amount, APR, term and extra principal are blank until you enter them.
Then model a value scenario.
Enter the value you think the project may add and the appreciation you want to test. DuckWater supplies neither assumption.
Project your home value
Your assumptions, clearly separated.Project value and future appreciation are uncertain. This tool only compounds the assumptions you enter.
Enter your assumptions to begin
Home value, added value, appreciation and time are blank until you enter them.
Home equity
How much equity is in the property, and what a draw would cost each month at a rate you enter.
Lenders set their own limit — put theirs in.
Your number, not a quote.
- Enter your numbers to begin
Nothing here is preset.
Lenders set their own limits, values and pricing — none of that happens here. Secured by your home.
Checking your sign-in.
Secured vs unsecured
The same amount, two sets of terms you enter. Longer and cheaper is not always cheaper.
e.g. a home equity line
e.g. an unsecured personal loan
- Enter your numbers to begin
Nothing here is preset.
Lower payments over longer terms often cost more in total — and only one of these may put your home at risk. Fees and variable rates are not modelled.
Checking your sign-in.
Home purchase
What a purchase runs each month, and roughly what it takes to close — on numbers you choose.
The illustration waits for price, rate and term.
Dollars you plan to bring — zero is a real answer.
Your number, not a quote.
Also yours — nothing here is preset.
From the tax bill and your insurer — records you can pull yourself.
Your estimate — the Loan Estimate you receive is the real figure.
- Enter your numbers to begin
Nothing here is preset.
Lenders set rates, programs and closing costs — none of that happens here. Mortgage insurance and escrow adjustments are not modelled, and the Loan Estimate you receive after applying replaces every number above.
Checking your sign-in.
Cash-out refinance
What replacing your mortgage and taking cash out would look like each month — on numbers you choose.
Run the Cash-out refinance calculator
- 5 inputs — every one yours
- An illustration, never a quote or a decision
- Nothing you type leaves the page
Free. Encrypted. Already have an account? Sign in.
Availability varies by state and by participating partner.
Interest-only
The payment while interest-only lasts, and the step-up when it ends — on numbers you choose.
Run the Interest-only calculator
- 4 inputs — every one yours
- An illustration, never a quote or a decision
- Nothing you type leaves the page
Free. Encrypted. Already have an account? Sign in.
Availability varies by state and by participating partner.
Reverse mortgage proceeds
What a reverse mortgage leaves available — on your numbers and your counsellor's, never ours.
Run the Reverse mortgage proceeds calculator
- 6 inputs — every one yours
- An illustration, never a quote or a decision
- Nothing you type leaves the page
Free. Encrypted. Already have an account? Sign in.
Availability varies by state and by participating partner.
Coverage ratio, flip margin, collateral headroom.
DSCR
Whether a rental covers its own debt service — the ratio a DSCR lender underwrites to.
Run the DSCR calculator
- 5 inputs — every one yours
- An illustration, never a quote or a decision
- Nothing you type leaves the page
Free. Encrypted. Already have an account? Sign in.
Availability varies by state and by participating partner.
Fix and flip
Purchase, rehab, carry and selling costs against the after-repair value you're underwriting to.
Run the Fix and flip calculator
- 6 inputs — every one yours
- An illustration, never a quote or a decision
- Nothing you type leaves the page
Free. Encrypted. Already have an account? Sign in.
Availability varies by state and by participating partner.
Crypto collateral
How far a holding can be borrowed against, and how far the price can fall before a margin call.
Run the Crypto collateral calculator
- 4 inputs — every one yours
- An illustration, never a quote or a decision
- Nothing you type leaves the page
Free. Encrypted. Already have an account? Sign in.
Availability varies by state and by participating partner.