All calculators
Free · No account requiredTier 1 tools cover the highest-intent decision moments. Tier 2 tools support specific underwriting checks.
Loan Payment
Estimate your monthly payment
Use when you have a loan amount in mind and want to know what it will cost each month.
Affordability Ceiling
How much can your church borrow?
Use to find the maximum loan your cash flow can support before you start shopping.
Refinance Savings
Compare current vs. new rate
Use to see if refinancing your existing church loan would save money, and how long until you break even.
DSCR Calculator
Debt service coverage ratio
Use to check if lenders will consider your cash flow adequate for a loan.
LTV Calculator
Loan-to-value ratio
Use to check the equity ratio lenders will see and whether you need a larger down payment.
Capital Campaign
Campaign goal planning
Use to size a capital campaign goal against your congregation and project cost.
Not sure which to use?
Pick the calculator by what you're trying to decide.
The 7 factors in the readiness score
The free readiness assessment scores a church on these 7 factors, out of 100 points. Our calculators let you work through 3 of them yourself. The Affordability Ceiling works backward from debt service coverage, and the Loan Payment and Refinance Savings calculators answer cost questions rather than scoring a factor.