Sam Gorman

Estimate credit card rewards after fees, perks, category rates, point value, and a welcome bonus spending check.

Estimate cash advance fees, daily interest, total repayment, and the cost change from paying 7 days sooner or later.

Calculate usable interest-free days, pay-by date, safer pay date, and grace-period status for a credit card purchase.

Calculate average daily balance, estimated credit card interest, daily rate, and balance stretches from posted transactions.

Calculate front-end DTI from income and housing costs, plus monthly room left under your target.

Calculate your housing expense ratio, compare it with a target percent, and see monthly room or shortfall.

See how adding extra principal each month can change mortgage payoff time, interest saved, and your first higher payment.

Estimate a mortgage payment split into loan, tax, insurance, PMI, HOA, extra principal, plus when PMI may stop.

Compare a HELOC with a cash-out refinance by cost, monthly payment, remaining debt, and LTV over your chosen time period.

Estimate draw-period payments, end balance, repayment payment, payment change, and interest for an existing HELOC.