The UtilityApps Blog
Tools that save time and money — explained
Deep dives, calculators, and practical tutorials for the tools you actually use. Free, no signup, written by people who use them daily.
Free Mortgage Calculator That Shows the Full Amortization Schedule
See exactly how much of every mortgage payment goes to interest vs principal, month by month, for the full loan term — free, no signup, exportable table.
5 min · Jul 8, 2026Daniel M.How to Calculate Compound Interest (Formula + Real Examples)
Understand compound interest with the full formula, worked examples, and the rule of 72. See how compounding frequency changes the result — plus a free calculator.
4 min · May 15, 2026Daniel M.How Much Mortgage Can I Afford on a $100k Salary in 2026?
How much mortgage can you afford on a $100k salary? The 28/36 rule, debt-to-income, down payment scenarios, and city comparisons — with a free calculator.
4 min · May 13, 2026Daniel M.Credit Card Payoff Strategies: Avalanche vs Snowball (Which Works Best?)
Credit card payoff strategies compared — debt avalanche vs snowball — with real-number examples, the psychology behind each, and when each method wins.
4 min · May 12, 2026Daniel M.How to Calculate Your Take-Home Pay After Tax in 2026 (US, UK, Canada)
How to calculate take-home pay after tax in 2026. Federal and state tax, FICA, deductions explained, with US, UK and Canada compared — plus a free calculator.
4 min · May 11, 2026Daniel M.How to Calculate a Mortgage Payment (With and Without a Calculator)
Step-by-step guide to calculating monthly mortgage payments, including PITI, PMI, and the formula that lenders actually use. Examples for the US, UK, and Canada.
7 min · Feb 4, 2026Daniel M.