Sam Gorman

Compare a HELOC and personal loan by monthly payment, total interest and fees, HELOC payment jump, and lower-cost option.

Estimate the gross income needed for a target home price using mortgage payment, debts, PMI, HOA, and DTI limits.

Compare recast vs refinance payments, closing costs, break-even months, interest, and monthly escrow add-ons.

Plan remaining 401(k) paycheck contributions, check limit room, and spot possible missed employer match from maxing early.

Calculate bond yield to maturity from clean price, coupon, dates, accrued interest, dirty price, and cash flow schedule.

Compare current holdings with target percents and calculate buy, sell, or no-sell cash-only rebalancing amounts.

Project dividend reinvestment, partial DRIP, kept cash, taxes, shares bought, and ending account value over time.

Find the blended interest rate for multiple loans, plus optional federal consolidation rounding and simple interest estimates.

Estimate a home equity sharing settlement payment, net cash after fees, and a 3 by 3 scenario table for rates and years.

Estimate rent credits, price left to finance, monthly payment, and debt-to-income checks for a rent-to-own home.