NoteHarbor Calculator

NoteHarbor Calculator is a free, offline toolkit for private note investors, seller-finance lenders, and anyone who needs fast, exact loan math. Six calculators plus a full financial calculator, each penny-accurate: • Financial calculator — a five-key time-value-of-money calculator: enter any four of N, I/YR, PV, PMT, FV and solve the fifth. • Amortizing loan — level P&I payment, total interest, total cost, payoff date, and a full amortization schedule. • Interest-only — flat interest payment with the principal due as a balloon at maturity. • Balloon loan — payment sized on a long amortization with the full balance due as a balloon. • Recast — apply a lump-sum curtailment and see your new, lower payment re-amortized over the same remaining term. Your payoff date doesn't change. • Payoff — per-diem interest and the exact total to pay a note off on any date. • Affordability — work backward from a payment you can afford to the loan amount it supports. Every result gives you a clear headline number, a plain-English explanation, and one-tap Share / Copy — plus PDF / PNG export with Calculator Pro. Why it's different: the math is identical to NoteHarbor's loan-servicing platform — integer-cents precision, standard statement rounding, and the same formulas used to service real loans. No accounts, no login; the calculators work offline. The free version is ad-supported, and Calculator Pro ($6.99, one-time) removes ads and unlocks PDF/PNG export. When you're ready to service real notes — track payments, escrow, payoffs, statements, 1098s, and borrower portals — visit usenoteharbor.com.