NoteHarbor calculators
Free calculators for loans and mortgage notes
Run the numbers on a loan, an amortization schedule, a note you're thinking of buying or selling, a payoff quote, or an owner-financed sale you're structuring. It's free, in your browser, with nothing to sign up for. Every calculator uses the same servicing engine that powers NoteHarbor, so the math matches a real loan to the penny.
Financial Calculator
A 10bII-style time-value-of-money calculator. Solve for any of N, I/YR, PV, PMT, or FV, with a one-click amortization schedule.
Open calculatorAmortization Schedule
Turn a loan amount, rate, term, and start date into a full month-by-month payoff table with a running balance chart you can print.
Open calculatorWhat's My Mortgage Note Worth?
Estimate what a private mortgage note could sell for today at a range of investor yields, and understand why notes trade at a discount.
Open calculatorNote Discount Bid
Solve the most you can pay for a mortgage note and still hit your target yield, then check what the seller's asking price actually earns you.
Open calculatorPayoff and Reinstatement
Quote a loan payoff to any date with per-diem interest, plus the reinstatement figure that brings a delinquent note current.
Open calculatorSeller Carryback Structurer
Structure owner financing three ways at once and compare rate, amortization, and balloon on payment, lifetime interest, and the balloon due.
Open calculatorThese tools are provided for education and planning only. They produce estimates, not financial, tax, or legal advice, and nothing you enter is stored or sent anywhere. The math runs entirely in your browser.