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#### Debt and mortgage calculations

Debt payments calculation, calculating the true cost of using debt either as leverage on growing assets, or total loss on depreciating items.
* InvestmentPlan* has a number of extremely flexible loan calculators.

- Allows for changing interest rates
- Can include lump sum payments.
- Allows a range of loan types, payment frequency, and when payments are made.
- Depreciation calculation of the item purchased, if the item is losing value (refer below)
- Leverage calculation of the item purchased, if the item is gaining value (refer below)
- Calculation of opportunity cost, including tax adjustments, and changing interest rates

**Liability entry**The True cost of borrowing for depreciating items calculator (items losing value)

Example: Calculate the real cost of purchasing a $40,000 car with a $30,000 loan

Calculate the benefits of borrowing for items increasing in value (leverage)Example: Calculate the return and profit for a property which is an asset gaining value.

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