Tools
SEABorrow tool suite
These tools expand the main comparison workbench into borrower-specific calculators: affordability, DSR, fee impact, flat-rate conversion and early settlement. Each page is meant to answer a real loan decision, not just generate another formula widget.
- 01
Personal Loan Affordability Calculator
Start from cash-flow room, not the maximum amount a lender might allow.
- 02
Debt Service Ratio (DSR / DTI) Calculator
A fast way to see whether a new installment pushes your monthly debt burden too far.
- 03
Processing Fee Impact Calculator
A cheaper-looking rate can still be worse when upfront fees eat into the money you actually receive.
- 04
Flat Rate vs EIR Calculator
When one lender shows a flat rate and another shows EIR, this tool gives you a fairer comparison starting point.
- 05
Early Settlement Calculator
A quick way to see whether paying off a loan early is likely to save meaningful interest before settlement fees.
How to use the suite
Use the right tool before you compare lenders
- Start with Affordability if you are still figuring out how much monthly pressure feels safe.
- Use DSR when existing debt already matters.
- Use Fee Impact when lender fee structures look uneven.
- Use Flat Rate vs EIR when markets publish incompatible pricing labels.
- Use Early Settlement when you may clear the loan ahead of schedule.