Know what's due, what it costs, and what's left

Free calculators for farm loans and household bills. They're quick, there's no sign-up, and everything runs in your browser, so nothing you type is sent anywhere. When you want to keep track over time, there's a simple spreadsheet for that too.

Farm finance calculators

Crop input loan interestInterest from each draw date to harvest payoff Prepay vs. finance inputsIs the early-pay discount worth borrowing for? Equipment loan paymentsAnnual, semiannual, quarterly or monthly Lease vs. buyTractors and combines in today's dollars Corn break-evenBreak-even price per bushel and break-even yield Cost per acreEvery cost line, per acre and per bushel Operating line interestDraws, paydowns and interest owed on any date Farm bill due datesEvery farm payment in date order, color coded

Household bills

Bill due-date trackerWhat's due next and how many days you have Which paycheck pays which billMatch each bill to the check that covers it Set-aside per paycheckOne number that covers yearly bills too

Spreadsheets you can keep

Farm Bill & Due-Date Tracker LITE: freeUp to 10 farm obligations in date order. Excel and Google Sheets. Crop Input Loan & Payoff Planner: $12Payoff order, crop scenarios, equipment loans, cost per acre, dashboard.

Why these exist

Most of the tools for these questions are old university spreadsheets that need macros turned on, or loan calculators that assume you pay monthly. Farm money comes in once or twice a year. These calculators were built around that, by someone who runs a farm in the Blue Ridge Mountains and wanted answers without hunting for a 2014 Excel file. The household tools came from the same idea: see what's due, in order, before it's late.

Everything here is for planning and gives estimates, not financial advice. See the disclaimer.