NoteHarbor's stand-alone utilities live under Resources → Tools in the sidebar. Everything on the Tools page is scratch work — the calculators use the exact same engine math as the rest of the app, but nothing you type there ever reads or writes your loan book.
Note Pricing Calculator
Price a note for a target yield — or solve the yield an asking price earns. Enter the remaining payment stream (unpaid balance, rate, payment, payments left, next due date) plus either your target yield or the asking price, and the calculator solves the other, along with price-per-dollar and optional ITV. The yield math is the same Excel-grade XIRR that powers the Yield stat on your loan pages. Nothing here is saved — refreshing the page clears it.
Financial Calculator
A full 10bII-style TVM calculator — N, I/YR, PV, PMT, FV — plus amortization, interest-only, recast, payoff, and affordability tools, running right in your browser. It's the same NoteHarbor Calculator companion app, math-for-math identical to the servicing engine. It runs at its own separate address and only remembers your display theme and paid-unlock status locally in your browser there — never any loan figures, and never anything in your NoteHarbor account. Dedicated iOS and Android apps are built and headed to the stores — the download buttons on this page show "Coming soon" until the founder announces launch; until then, use the in-browser version or the "Open in a new tab" link.
Deal Analyzer
Sizing up a note that's for sale? Paste its terms (balance, rate, payment or blank for level, payments remaining, next due date, day-count convention) and the asking price, and the analyzer instantly shows:
- Yield at the asking price — the same Excel-grade XIRR as the loan pages — plus a table of the price to pay for 8 / 10 / 12 / 15% target yields.
- ITV (investment-to-value) when you add a property value — price ÷ property value, with the conventional under-70% collateral-coverage rule of thumb flagged (informational, not advice).
- Early-payoff windfall scenarios — if the payor paid off at 12, 24, or 36 months, what you'd receive and the gain the payoff event recognizes, per structure.
Pick the purchase structure to match the deal: Full purchase (the whole remaining note — an early payoff captures the not-yet-accreted discount), Partial (you buy the next N payments or a principal slice — full P&I is yours until the slice repays), or B Schedule (a face slice amortizing at the note's own rate — the discount stays unrealized until payoff; confirm that tax treatment with your CPA). Every figure comes from the same engines that run your loan book — nothing is saved, and nothing touches your loans.
More coming
New tools land on this page as they ship.