About BrainIvy HQ
BrainIvy HQ is a free financial calculator site built to help everyday people make better decisions about their mortgages and credit cards — without needing to hire a financial advisor or stare at a spreadsheet.
What we do
Every calculator on this site runs entirely in your browser. There's no account to create, no data sent to a server, and no paywall. You enter your numbers and get an instant, accurate answer.
We focus on the calculations people actually need: figuring out when you can drop PMI, whether a refinance makes financial sense, how much a credit card's annual fee really costs you after accounting for its perks, and how much you'd save by paying extra toward your mortgage each month.
The math behind each tool uses the same standard financial formulas that banks and lenders use — amortization, loan-to-value ratios, break-even analysis — explained in plain English alongside the results.
Our calculators
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Mortgage Amortization ScheduleSee your full payment breakdown — principal, interest, and remaining balance — for every month of your loan.
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Extra Payment CalculatorModel how additional monthly payments reduce your total interest and cut years off your loan.
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Lump Sum vs Monthly Extra PaymentsCompare two payoff strategies side-by-side to see which saves more money over the life of the loan.
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PMI Removal CalculatorFind out exactly when your loan hits 80% LTV so you can cancel private mortgage insurance.
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Refinance Break-Even CalculatorKnow exactly how many months it takes to recoup your closing costs before committing to a refinance.
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Mortgage Recast CalculatorSee your new monthly payment after making a lump sum principal payment — no refinancing required.
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Amex Platinum Worth It CalculatorEnter the credits and perks you'll actually use to see if the $895 annual fee makes financial sense for you.
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Annual Fee Break-Even CalculatorWorks for any credit card. Add your perks and rewards to see if the annual fee pays for itself.
Why BrainIvy HQ?
Most financial decisions involve straightforward math that anyone can do — but the numbers are often buried in bank statements, loan documents, or credit card fine print. We pull those numbers into clean, interactive tools so you can see exactly what's happening with your money.
We don't sell financial products, accept referral fees, or push you toward any particular decision. Our only goal is to give you accurate numbers so you can make informed choices.
All calculations happen locally in your browser. We never see your loan balance, credit card spending, or any other financial data you enter.
Contact us
Have a question about one of our calculators, a suggestion for a new tool, or spotted an error? We'd love to hear from you.