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Encompass® Calculators


If you're looking to buy a home, lease a car, or if you're just curious about home or car loans, we want to help. Check out these calculators for estimated monthly payments and more for your next milestone.

Car Calculators

Abrand new car.

How long Should
I keep a car?

Wondering how long to keep your current car? This tool may help you determine what makes sense financially.

Black car parked on street.

Should I lease or purchase a car?

Looking to lease or buy your next car? It's a big decision! Use this calculator for helpful cost estimates.

Man walking around car.

What term of car loan should I choose?

This calculator can help you compare car loan terms and costs. Take a look before you make your next purchase!

Car parked in a driveway.

Which is better: a new or used car?

What kind of car are you looking for, new or used? Does your budget align with your expectations? Use this calculator for helpful considerations before browsing at the dealership or online for your next car purchase.

Car parked in a driveway.

Should I use a home equity loan instead of a car loan?

Wondering which is better for you: using a home equity loan or a traditional car loan to buy your next car? This tool may help you estimate cost considerations.

A man and women in the front seat of car.

Which is better: a rebate or special dealer financing?

Cost comparison: Should you get a rebate or go for the special dealer financing available for your car? Use this tool to compare costs and more.

A couple walking around a car.

What car can I afford?

Do you know how much you can afford to spend on your next car? Use our helpful tool before you head to the dealership so you are prepared!

A dashboard of a car.

How much will my car payments be?

Do you know how much your car payments will be? What fits within your budget? Use this tool for a helpful estimate.

A couple walking toward their vehicle.

Should I finance or pay cash for a car?

Even if you can afford to pay cash upfront for your next car purchase, should you? Use this tool for helpful considerations.

Woman getting into a car.

Which car loan is better?

Looking to compare car loans? Use this tool for help before you make your next car purchase.

Home Calculators

Foyer of a home.

Am I better off renting?

Looking to rent or buy your next place? There are many factors to take into consideration before you make this decision, including market conditions and your current financial situation. Use this calculator for helpful cost estimates.

A pantry.

What will my closing costs be?

When you buy a new home, the purchase price isn't the only consideration. Don't forget you may have to pay closings costs! Estimate what they will be with this tool.

A living room.

Which is better: 15- or 30- year loan term?

For your situation, which is better, a 15 or 30 year loan term? There are many factors to take into consideration since this will affect your monthly payments and more! Use this helpful tool to estimate costs.

A home.

How much will my mortgage payments be?

Wondering how much your monthly mortgage payments will be when you purchase your new home? This calculator can help you estimate costs.

A living room.

How advantageous are extra payments?

Should you make extra payments to your mortgage monthly? That may help pay it down sooner. What's best for your financial situation? Use this tool for helpful estimates.

Interior decorating.

How can I reduce mortgage insurance costs?

How can you reduce your monthly mortgage insurance payments? Should you put more money down? Use this tool to compare costs.

A wallet.

How much can I borrow?

You don't want to bite off more than you can chew when purchasing a new home. Use this tool to help you determine estimated monthly costs.

A piano.

Which is better: fixed or adjustable?

Do you know the difference between a fixed rate and adjustable rate loan? Which is better for your financial situation? This tool can help.

A table set for dining.

How much should I put down for a new home?

Wondering how much money you should put as a down payment for your next home? This amount will affect your monthly payments and more! Use this calculator for helpful estimates.

A dining room.

Am I better off refinancing?

Would refinancing your home loan help you financially? Use this tool for estimated projections.

A planning book on a table.

How much can I save in taxes?

Looking to save money on your next tax bill? Check out this tool.

A family cleaning up after dinner.

Which loan is better?

Use this comparison tool to help you determine which loan type may be best for your next home purchase.

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This content is for informational purposes only and may not be applicable to all situations. The coverages, features, and discounts on this website are not available in every state. Coverages, features and discounts subject to terms conditions, and qualifications.  Policy exclusions may apply. Savings vary based on factors such as state and coverages selected. If you are a current customer, review your policy for coverage details. Otherwise, please contact an Encompass Insurance Independent Agent for availability and additional information.
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