The Mortgage & Loan Math Workout — tools & chapters

What this book teaches

What a loan truly costs before you sign: how a monthly payment is built from rate and term, why early payments are almost all interest, the “term trap” that makes a longer loan cost far more, fixed-versus-variable stress-testing, deposit/LTV/equity, car finance, and what overpaying really saves. The book teaches every check by hand; the calculator here gives you the one figure it says comes from a calculator — the monthly — and shows the whole schedule behind it.

Free tools for this book

Flagship calculator · Ch 3–4

Loan & Mortgage Calculator

Monthly payment, total paid, total interest, and the full amortization schedule — with a built-in overpayment what-if.

Calculator · Ch 6

LTV & Equity

Loan-to-value, the equity that’s yours, and a price-fall stress test for negative equity.

Calculator · Ch 7

Car Finance — HP vs PCP

Monthly payment, the balloon, and the true cost of credit a low monthly can hide.

Printable toolkit · PDF

Borrowing Toolkit

The book’s borrowing templates, gathered and sized to print. No sign-up.

All chapters

1What a Loan Really Costs
2Are You Actually Paying It Off?
3How a Payment Is Built
4The Term Trap
5Fixed vs Variable — Stress-Test It
6Deposit, LTV & Equity
7Car Finance
8Overpaying & Early Repayment
9The All-In Cost & Affordability Stress-Test
★Bonus — Refinancing: Is Switching Worth It?
★Bonus — Credit Cards & the Minimum-Payment Trap