# Cost calculators

Every calculator runs entirely in your browser using standard financial formulas. Nothing you type is transmitted, stored or logged.

- [Loan payment calculator](https://costreference.com/tools/loan-payment-calculator/) — Enter an amount, an annual rate and a term in months to see the monthly payment, the total interest and the total you repay.
- [Affordability calculator](https://costreference.com/tools/affordability-calculator/) — Estimate how much you can borrow from your income, existing debt payments and the debt-to-income limit a lender is likely to apply.
- [Refinance break-even calculator](https://costreference.com/tools/refinance-break-even-calculator/) — Compare your current payment with a refinanced payment and see how long it takes to recover the closing costs.
- [Total cost of ownership calculator](https://costreference.com/tools/total-cost-of-ownership-calculator/) — Add up purchase price, financing cost, running costs and resale value to get the true annual cost of ownership.
- [Cost per unit calculator](https://costreference.com/tools/cost-per-unit-calculator/) — Compare two package sizes at different prices by the cost of one unit.
- [Debt payoff calculator](https://costreference.com/tools/debt-payoff-calculator/) — See how many months a balance takes to clear at a fixed monthly payment, and what extra payments would save.

Source: https://costreference.com/tools/