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With the Lease Payment Calculator you can quickly calculate the Lease Payment for your vehicle. This allows you to know what the payment should be based upon the negotiated value. No longer do you have to worry about losing out on your hard negotiated discounts. A detailed breakdown of the payment is included in a summary report.
Loan/Lease Comparison
With this tool you can calculate side by side the actual overall cost of buying
versus leasing a vehicle. Sometimes an attractive low monthly lease payment in the
end means a substantially more expensive car. A detailed report provides additional
information.
Loan Amortization Schedules
With this tool you can see the affect of any number of extra payments at any time
and individually override any payment amount. Immediately see the effect of different
payment frequencies and interest rates on your overall interest costs and loan retirement
time.
Solve for Missing Number Calculator
The Solve for Missing Number calculator allows you to enter your known values and
solve for the missing payment amount, loan amount, interest rate or amortization
period.
Amortization Tables
Quickly create not just loan payment tables but five different grid configurations
allow you to quickly see at a glance the impact of loan amounts, interest rates
and payment amounts.
Financial Calculators
We've included dozens of powerful financial calculators to help you solve most common
financial calculations.
Detailed Reports
Detailed reports are available that will allow you to see on paper varying levels
of detail on the leases, comparisons, schedules or tables stored in the system.
Just a few more of the key features:
| Use either the lease Money Factor or interest rate when calculating your leases. |
| Use specific residual or depreciated vehicle amounts or percentages. |
| Create a lease payment and then quickly transfer it to the Compare Loan vs. Lease tool with the Compare to Loan button. |
| Compatible with US & Canadian mortgages, U.S. Rule (Simple Interest) loans, car loans, business loans, debt-consolidation loans, student loans and more. |
| Easy to use Amortization Schedules include principal and interest breakdowns with running totals of interest paid and principal remaining. |
| Flexible Planning with the Loan Amortization Schedules. Allows you to see the effect of adding, skipping or changing any payment. |
| See the effect of skipping, changing or adding any number of payments |
| See the effect of negative amortization |
| Handles infrequent and irregular payment amounts. |
| Solve for Missing Number Calculator allows you to enter your known values and solve for the payment amount, loan amount, interest rate or amortization period. |
| Dynamic Amortization Tables including five different grid configurations allowing you to solve for most missing variables. |
| Dozens of Easy to Use Calculators |
| Detailed Reports including annual summaries. Allows you to specify a date range when printing. |
| Save your leases, comparisons, tables and schedules for future use |
Know What Your Payments Should Be With the Lease Payment Calculator
You may spend hours haggling on a price for a new vehicle with the dealer to then offer to lease it to you for a great low monthly payment. Know with this calculator whether the payment they are offering you is actually based upon the price you negotiated or have they increased it back to the original price! Includes a detailed breakdown on how to calculate the negotiated value, plus all the fields you need to determine what the lease payment should be.
Compare the True Costs with the Compare Loan vs. Lease Tool
A low lease payment may seem very attractive. And of course you can then buy out the vehicle in the end. But what is the true overall cost of leasing versus buying? Know for sure with this handy feature that will let you know the bottom line when making this important decision.
Flexible Planning with the Loan Amortization Schedules
With this powerful tool you can see the affect of any number of extra payments at any time and individually override any payment amount. You can also see the affect of different payment frequencies and interest rates on your overall interest costs and loan retirement time.
| Create and save any number of amortization schedules. |
| Allows you to set the loan amount, interest rate, payment frequency (including accelerated payments) and interest compounding frequency. |
| Includes principal/interest breakdowns along with running totals of interest paid and principal owing. |
| Change any scheduled payment amount |
| Add any number of extra payments |
| Allows you to print your schedule in 5 different formats and specify a date range for the years to print. |
| Different compounding methods include U.S. Rule (Simple Interest) and Canadian mortgages |
| Specify a Start date for the schedule or use generic time references |
| Allows any of 14 different Day Count Conventions including 30/360 and Actual/Actual. |
| Compare button allows you to compare the existing schedule with another saved schedule. |
| Create schedules for various different payment types including interest only. |
| Reports can be printed for different date ranges using specific from and to dates. |
| Annual reports can be summarized based upon any fiscal year end. |
Solve for Missing Number Calculator The Solve for Missing Number calculator allows you to enter your known values and solve for the payment amount, loan amount, interest rate or amortization period. Simply enter what you know and click on the calculator icon beside the parameter you don't know and VehiCalc will immediately solve for the missing number.
Dynamic Amortization TablesThe Amortization Tables tool allows you to generate grids in five different configurations showing payment and loan amounts based upon various variables along the X and Y axis of the chart. For example, a payment grid with the loan amount on the left and the interest rate across the top. This tool replaces the old mortgage table books that are not flexible enough for today's wide array of loan types.
| Change any parameter and instantly see the results. |
| Five different grid configurations allow you to solve for most missing parameters. |
| Print them out for when you go to the bank or meet with your real estate agent. |
| Open any number of these windows and compare side-by-side different payment frequencies, interest rates, compounding, periods and loan amounts. |
Dozens of Easy to Use Calculators
We've included dozens of powerful financial calculators that allow you to quickly
calculate many common questions such as Gross Debt Service Ratio and Total Debt
Service Ratio that are used to determine what a bank will lend you. We have also
included financial calculators that will allow you do almost any calculation you
will ever need. Some of the calculators we provide:
| Down Payment Amount |
| Gross Debt Service Ratio |
| Gross Debt Service Ratio Maximum Amount |
| House Price from Current Rent |
| House Price from Payment Amount |
| Interest Amount |
| Maximum Loan |
| Maximum Payment |
| Mortgage Payment |
| Principal Amount |
| Rent Payments Total |
| Time to Pay Off Accelerated Loan |
| Total Debt Service Ratio |
| Total Debt Service Ratio Maximum Amount |
| Total Interest Paid |
| Total Paid for Home |
| Plus many more! |
Detailed Reports Detailed reports are available that will allow you to see on paper varying levels of detail on the leases, comparisons, schedules or tables stored in the system. When appropriate, you can specify a date range to print allowing you to see schedules for a specific term or period. As well, annual summary reports allow you to summarize based upon any year end you want, not just the calendar year end. You can also save these reports in HTML format which can then be emailed or included in other products such as Microsoft Word and Excel. Here are just some of the reports:
| Lease Payment Calculation |
| Loan vs. Lease Comparison |
| Amortization Schedule - Payments Only Report |
| Amortization Schedule - Payment Breakdown Report |
| Amortization Schedule - Annual Summary |
| Amortization Schedule - Annual Payment Summary |
| Amortization Schedule - Annual Payment Breakdown |
| Amortization Table |
| Plus more! |
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