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Methods & limitations

Understand the inputs, formulas, assumptions and limits of each result.

Your inputs determine the result

Tools calculate using the amounts, rates, terms and costs you submit. A blank input is not the same as zero. After changing an input, recalculate; the old result does not represent the new situation.

Check formulas and assumptions

Each tool’s calculation basis includes formulas, details and key assumptions. Default results use example inputs. Assumptions about constant rates, deposit timing and costs must be checked against your actual circumstances.

Results do not confirm eligibility

Estimated returns are not guaranteed returns, advertised rates are not personal quotes, and tax or insurance estimates do not replace a complete return or formal underwriting. Missing eligibility information should not be interpreted as confirmation that you qualify.

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Updated: 2026-10-05