$11,750 Mortgage for 30 Years

What is the monthly payment of a 11,750 dollar loan?
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Loan Tables for a $11,750 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 12k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $11,750 home? What if I pay a bigger down payment? Make sure to think about maintenance costs, taxes, insurance, and other costs.

Use this to calculate a loan for anything, such as a vehicle, business loan, home, RV, motor home, mobile home, manufactured home, real estate, land, vacation property, education, or any type of debt.
Interest Rate 30 Year
11,750 at 2.01%$43.49
11,750 at 2.02%$43.55
11,750 at 2.03%$43.61
11,750 at 2.04%$43.67
11,750 at 2.05%$43.72
11,750 at 2.06%$43.78
11,750 at 2.07%$43.84
11,750 at 2.08%$43.90
11,750 at 2.09%$43.96
11,750 at 2.1%$44.02
11,750 at 2.11%$44.08
11,750 at 2.12%$44.14
11,750 at 2.13%$44.20
11,750 at 2.14%$44.26
11,750 at 2.15%$44.32
11,750 at 2.16%$44.38
11,750 at 2.17%$44.44
11,750 at 2.18%$44.50
11,750 at 2.19%$44.56
11,750 at 2.2%$44.61
11,750 at 2.21%$44.67
11,750 at 2.22%$44.73
11,750 at 2.23%$44.79
11,750 at 2.24%$44.85
11,750 at 2.25%$44.91
11,750 at 2.26%$44.97
11,750 at 2.27%$45.03
11,750 at 2.28%$45.09
11,750 at 2.29%$45.15
11,750 at 2.3%$45.21
11,750 at 2.31%$45.27
11,750 at 2.32%$45.33
11,750 at 2.33%$45.39
11,750 at 2.34%$45.46
11,750 at 2.35%$45.52
11,750 at 2.36%$45.58
11,750 at 2.37%$45.64
11,750 at 2.38%$45.70
11,750 at 2.39%$45.76
11,750 at 2.4%$45.82
11,750 at 2.41%$45.88
11,750 at 2.42%$45.94
11,750 at 2.43%$46.00
11,750 at 2.44%$46.06
11,750 at 2.45%$46.12
11,750 at 2.46%$46.18
11,750 at 2.47%$46.24
11,750 at 2.48%$46.30
11,750 at 2.49%$46.37
11,750 at 2.5%$46.43
11,750 at 2.51%$46.49
11,750 at 2.52%$46.55
11,750 at 2.53%$46.61
11,750 at 2.54%$46.67
11,750 at 2.55%$46.73
11,750 at 2.56%$46.79
11,750 at 2.57%$46.86
11,750 at 2.58%$46.92
11,750 at 2.59%$46.98
11,750 at 2.6%$47.04
11,750 at 2.61%$47.10
11,750 at 2.62%$47.16
11,750 at 2.63%$47.22
11,750 at 2.64%$47.29
11,750 at 2.65%$47.35
11,750 at 2.66%$47.41
11,750 at 2.67%$47.47
11,750 at 2.68%$47.53
11,750 at 2.69%$47.60
11,750 at 2.7%$47.66
11,750 at 2.71%$47.72
11,750 at 2.72%$47.78
11,750 at 2.73%$47.84
11,750 at 2.74%$47.91
11,750 at 2.75%$47.97
11,750 at 2.76%$48.03
11,750 at 2.77%$48.09
11,750 at 2.78%$48.16
11,750 at 2.79%$48.22
11,750 at 2.8%$48.28
11,750 at 2.81%$48.34
11,750 at 2.82%$48.41
11,750 at 2.83%$48.47
11,750 at 2.84%$48.53
11,750 at 2.85%$48.59
11,750 at 2.86%$48.66
11,750 at 2.87%$48.72
11,750 at 2.88%$48.78
11,750 at 2.89%$48.84
11,750 at 2.9%$48.91
11,750 at 2.91%$48.97
11,750 at 2.92%$49.03
11,750 at 2.93%$49.10
11,750 at 2.94%$49.16
11,750 at 2.95%$49.22
11,750 at 2.96%$49.29
11,750 at 2.97%$49.35
11,750 at 2.98%$49.41
11,750 at 2.99%$49.48
11,750 at 3%$49.54
11,750 at 3.01%$49.60
11,750 at 3.02%$49.67
11,750 at 3.03%$49.73
11,750 at 3.04%$49.79
11,750 at 3.05%$49.86
11,750 at 3.06%$49.92
11,750 at 3.07%$49.98
11,750 at 3.08%$50.05
11,750 at 3.09%$50.11
11,750 at 3.1%$50.17
11,750 at 3.11%$50.24
11,750 at 3.12%$50.30
11,750 at 3.13%$50.37
11,750 at 3.14%$50.43
11,750 at 3.15%$50.49
11,750 at 3.16%$50.56
11,750 at 3.17%$50.62
11,750 at 3.18%$50.69
11,750 at 3.19%$50.75
11,750 at 3.2%$50.81
11,750 at 3.21%$50.88
11,750 at 3.22%$50.94
11,750 at 3.23%$51.01
11,750 at 3.24%$51.07
11,750 at 3.25%$51.14
11,750 at 3.26%$51.20
11,750 at 3.27%$51.27
11,750 at 3.28%$51.33
11,750 at 3.29%$51.40
11,750 at 3.3%$51.46
11,750 at 3.31%$51.52
11,750 at 3.32%$51.59
11,750 at 3.33%$51.65
11,750 at 3.34%$51.72
11,750 at 3.35%$51.78
11,750 at 3.36%$51.85
11,750 at 3.37%$51.91
11,750 at 3.38%$51.98
11,750 at 3.39%$52.04
11,750 at 3.4%$52.11
11,750 at 3.41%$52.17
11,750 at 3.42%$52.24
11,750 at 3.43%$52.30
11,750 at 3.44%$52.37
11,750 at 3.45%$52.44
11,750 at 3.46%$52.50
11,750 at 3.47%$52.57
11,750 at 3.48%$52.63
11,750 at 3.49%$52.70
11,750 at 3.5%$52.76
Interest Rate 30 Year
11,750 at 3.51%$52.83
11,750 at 3.52%$52.89
11,750 at 3.53%$52.96
11,750 at 3.54%$53.03
11,750 at 3.55%$53.09
11,750 at 3.56%$53.16
11,750 at 3.57%$53.22
11,750 at 3.58%$53.29
11,750 at 3.59%$53.35
11,750 at 3.6%$53.42
11,750 at 3.61%$53.49
11,750 at 3.62%$53.55
11,750 at 3.63%$53.62
11,750 at 3.64%$53.69
11,750 at 3.65%$53.75
11,750 at 3.66%$53.82
11,750 at 3.67%$53.88
11,750 at 3.68%$53.95
11,750 at 3.69%$54.02
11,750 at 3.7%$54.08
11,750 at 3.71%$54.15
11,750 at 3.72%$54.22
11,750 at 3.73%$54.28
11,750 at 3.74%$54.35
11,750 at 3.75%$54.42
11,750 at 3.76%$54.48
11,750 at 3.77%$54.55
11,750 at 3.78%$54.62
11,750 at 3.79%$54.68
11,750 at 3.8%$54.75
11,750 at 3.81%$54.82
11,750 at 3.82%$54.88
11,750 at 3.83%$54.95
11,750 at 3.84%$55.02
11,750 at 3.85%$55.08
11,750 at 3.86%$55.15
11,750 at 3.87%$55.22
11,750 at 3.88%$55.29
11,750 at 3.89%$55.35
11,750 at 3.9%$55.42
11,750 at 3.91%$55.49
11,750 at 3.92%$55.56
11,750 at 3.93%$55.62
11,750 at 3.94%$55.69
11,750 at 3.95%$55.76
11,750 at 3.96%$55.83
11,750 at 3.97%$55.89
11,750 at 3.98%$55.96
11,750 at 3.99%$56.03
11,750 at 4%$56.10
11,750 at 4.01%$56.16
11,750 at 4.02%$56.23
11,750 at 4.03%$56.30
11,750 at 4.04%$56.37
11,750 at 4.05%$56.44
11,750 at 4.06%$56.50
11,750 at 4.07%$56.57
11,750 at 4.08%$56.64
11,750 at 4.09%$56.71
11,750 at 4.1%$56.78
11,750 at 4.11%$56.84
11,750 at 4.12%$56.91
11,750 at 4.13%$56.98
11,750 at 4.14%$57.05
11,750 at 4.15%$57.12
11,750 at 4.16%$57.19
11,750 at 4.17%$57.25
11,750 at 4.18%$57.32
11,750 at 4.19%$57.39
11,750 at 4.2%$57.46
11,750 at 4.21%$57.53
11,750 at 4.22%$57.60
11,750 at 4.23%$57.67
11,750 at 4.24%$57.73
11,750 at 4.25%$57.80
11,750 at 4.26%$57.87
11,750 at 4.27%$57.94
11,750 at 4.28%$58.01
11,750 at 4.29%$58.08
11,750 at 4.3%$58.15
11,750 at 4.31%$58.22
11,750 at 4.32%$58.29
11,750 at 4.33%$58.35
11,750 at 4.34%$58.42
11,750 at 4.35%$58.49
11,750 at 4.36%$58.56
11,750 at 4.37%$58.63
11,750 at 4.38%$58.70
11,750 at 4.39%$58.77
11,750 at 4.4%$58.84
11,750 at 4.41%$58.91
11,750 at 4.42%$58.98
11,750 at 4.43%$59.05
11,750 at 4.44%$59.12
11,750 at 4.45%$59.19
11,750 at 4.46%$59.26
11,750 at 4.47%$59.33
11,750 at 4.48%$59.40
11,750 at 4.49%$59.47
11,750 at 4.5%$59.54
11,750 at 4.51%$59.61
11,750 at 4.52%$59.68
11,750 at 4.53%$59.75
11,750 at 4.54%$59.82
11,750 at 4.55%$59.89
11,750 at 4.56%$59.96
11,750 at 4.57%$60.03
11,750 at 4.58%$60.10
11,750 at 4.59%$60.17
11,750 at 4.6%$60.24
11,750 at 4.61%$60.31
11,750 at 4.62%$60.38
11,750 at 4.63%$60.45
11,750 at 4.64%$60.52
11,750 at 4.65%$60.59
11,750 at 4.66%$60.66
11,750 at 4.67%$60.73
11,750 at 4.68%$60.80
11,750 at 4.69%$60.87
11,750 at 4.7%$60.94
11,750 at 4.71%$61.01
11,750 at 4.72%$61.08
11,750 at 4.73%$61.15
11,750 at 4.74%$61.22
11,750 at 4.75%$61.29
11,750 at 4.76%$61.36
11,750 at 4.77%$61.44
11,750 at 4.78%$61.51
11,750 at 4.79%$61.58
11,750 at 4.8%$61.65
11,750 at 4.81%$61.72
11,750 at 4.82%$61.79
11,750 at 4.83%$61.86
11,750 at 4.84%$61.93
11,750 at 4.85%$62.00
11,750 at 4.86%$62.08
11,750 at 4.87%$62.15
11,750 at 4.88%$62.22
11,750 at 4.89%$62.29
11,750 at 4.9%$62.36
11,750 at 4.91%$62.43
11,750 at 4.92%$62.50
11,750 at 4.93%$62.57
11,750 at 4.94%$62.65
11,750 at 4.95%$62.72
11,750 at 4.96%$62.79
11,750 at 4.97%$62.86
11,750 at 4.98%$62.93
11,750 at 4.99%$63.00
11,750 at 5%$63.08
Interest Rate 30 Year
11,750 at 5.01%$63.15
11,750 at 5.02%$63.22
11,750 at 5.03%$63.29
11,750 at 5.04%$63.36
11,750 at 5.05%$63.44
11,750 at 5.06%$63.51
11,750 at 5.07%$63.58
11,750 at 5.08%$63.65
11,750 at 5.09%$63.72
11,750 at 5.1%$63.80
11,750 at 5.11%$63.87
11,750 at 5.12%$63.94
11,750 at 5.13%$64.01
11,750 at 5.14%$64.09
11,750 at 5.15%$64.16
11,750 at 5.16%$64.23
11,750 at 5.17%$64.30
11,750 at 5.18%$64.38
11,750 at 5.19%$64.45
11,750 at 5.2%$64.52
11,750 at 5.21%$64.59
11,750 at 5.22%$64.67
11,750 at 5.23%$64.74
11,750 at 5.24%$64.81
11,750 at 5.25%$64.88
11,750 at 5.26%$64.96
11,750 at 5.27%$65.03
11,750 at 5.28%$65.10
11,750 at 5.29%$65.18
11,750 at 5.3%$65.25
11,750 at 5.31%$65.32
11,750 at 5.32%$65.39
11,750 at 5.33%$65.47
11,750 at 5.34%$65.54
11,750 at 5.35%$65.61
11,750 at 5.36%$65.69
11,750 at 5.37%$65.76
11,750 at 5.38%$65.83
11,750 at 5.39%$65.91
11,750 at 5.4%$65.98
11,750 at 5.41%$66.05
11,750 at 5.42%$66.13
11,750 at 5.43%$66.20
11,750 at 5.44%$66.27
11,750 at 5.45%$66.35
11,750 at 5.46%$66.42
11,750 at 5.47%$66.49
11,750 at 5.48%$66.57
11,750 at 5.49%$66.64
11,750 at 5.5%$66.72
11,750 at 5.51%$66.79
11,750 at 5.52%$66.86
11,750 at 5.53%$66.94
11,750 at 5.54%$67.01
11,750 at 5.55%$67.08
11,750 at 5.56%$67.16
11,750 at 5.57%$67.23
11,750 at 5.58%$67.31
11,750 at 5.59%$67.38
11,750 at 5.6%$67.45
11,750 at 5.61%$67.53
11,750 at 5.62%$67.60
11,750 at 5.63%$67.68
11,750 at 5.64%$67.75
11,750 at 5.65%$67.83
11,750 at 5.66%$67.90
11,750 at 5.67%$67.97
11,750 at 5.68%$68.05
11,750 at 5.69%$68.12
11,750 at 5.7%$68.20
11,750 at 5.71%$68.27
11,750 at 5.72%$68.35
11,750 at 5.73%$68.42
11,750 at 5.74%$68.50
11,750 at 5.75%$68.57
11,750 at 5.76%$68.64
11,750 at 5.77%$68.72
11,750 at 5.78%$68.79
11,750 at 5.79%$68.87
11,750 at 5.8%$68.94
11,750 at 5.81%$69.02
11,750 at 5.82%$69.09
11,750 at 5.83%$69.17
11,750 at 5.84%$69.24
11,750 at 5.85%$69.32
11,750 at 5.86%$69.39
11,750 at 5.87%$69.47
11,750 at 5.88%$69.54
11,750 at 5.89%$69.62
11,750 at 5.9%$69.69
11,750 at 5.91%$69.77
11,750 at 5.92%$69.84
11,750 at 5.93%$69.92
11,750 at 5.94%$69.99
11,750 at 5.95%$70.07
11,750 at 5.96%$70.15
11,750 at 5.97%$70.22
11,750 at 5.98%$70.30
11,750 at 5.99%$70.37
11,750 at 6%$70.45
11,750 at 6.01%$70.52
11,750 at 6.02%$70.60
11,750 at 6.03%$70.67
11,750 at 6.04%$70.75
11,750 at 6.05%$70.83
11,750 at 6.06%$70.90
11,750 at 6.07%$70.98
11,750 at 6.08%$71.05
11,750 at 6.09%$71.13
11,750 at 6.1%$71.20
11,750 at 6.11%$71.28
11,750 at 6.12%$71.36
11,750 at 6.13%$71.43
11,750 at 6.14%$71.51
11,750 at 6.15%$71.58
11,750 at 6.16%$71.66
11,750 at 6.17%$71.74
11,750 at 6.18%$71.81
11,750 at 6.19%$71.89
11,750 at 6.2%$71.97
11,750 at 6.21%$72.04
11,750 at 6.22%$72.12
11,750 at 6.23%$72.19
11,750 at 6.24%$72.27
11,750 at 6.25%$72.35
11,750 at 6.26%$72.42
11,750 at 6.27%$72.50
11,750 at 6.28%$72.58
11,750 at 6.29%$72.65
11,750 at 6.3%$72.73
11,750 at 6.31%$72.81
11,750 at 6.32%$72.88
11,750 at 6.33%$72.96
11,750 at 6.34%$73.04
11,750 at 6.35%$73.11
11,750 at 6.36%$73.19
11,750 at 6.37%$73.27
11,750 at 6.38%$73.34
11,750 at 6.39%$73.42
11,750 at 6.4%$73.50
11,750 at 6.41%$73.57
11,750 at 6.42%$73.65
11,750 at 6.43%$73.73
11,750 at 6.44%$73.80
11,750 at 6.45%$73.88
11,750 at 6.46%$73.96
11,750 at 6.47%$74.04
11,750 at 6.48%$74.11
11,750 at 6.49%$74.19
11,750 at 6.5%$74.27
Interest Rate 30 Year
11,750 at 6.51%$74.35
11,750 at 6.52%$74.42
11,750 at 6.53%$74.50
11,750 at 6.54%$74.58
11,750 at 6.55%$74.65
11,750 at 6.56%$74.73
11,750 at 6.57%$74.81
11,750 at 6.58%$74.89
11,750 at 6.59%$74.96
11,750 at 6.6%$75.04
11,750 at 6.61%$75.12
11,750 at 6.62%$75.20
11,750 at 6.63%$75.28
11,750 at 6.64%$75.35
11,750 at 6.65%$75.43
11,750 at 6.66%$75.51
11,750 at 6.67%$75.59
11,750 at 6.68%$75.66
11,750 at 6.69%$75.74
11,750 at 6.7%$75.82
11,750 at 6.71%$75.90
11,750 at 6.72%$75.98
11,750 at 6.73%$76.05
11,750 at 6.74%$76.13
11,750 at 6.75%$76.21
11,750 at 6.76%$76.29
11,750 at 6.77%$76.37
11,750 at 6.78%$76.44
11,750 at 6.79%$76.52
11,750 at 6.8%$76.60
11,750 at 6.81%$76.68
11,750 at 6.82%$76.76
11,750 at 6.83%$76.84
11,750 at 6.84%$76.91
11,750 at 6.85%$76.99
11,750 at 6.86%$77.07
11,750 at 6.87%$77.15
11,750 at 6.88%$77.23
11,750 at 6.89%$77.31
11,750 at 6.9%$77.39
11,750 at 6.91%$77.46
11,750 at 6.92%$77.54
11,750 at 6.93%$77.62
11,750 at 6.94%$77.70
11,750 at 6.95%$77.78
11,750 at 6.96%$77.86
11,750 at 6.97%$77.94
11,750 at 6.98%$78.02
11,750 at 6.99%$78.09
11,750 at 7%$78.17
11,750 at 7.01%$78.25
11,750 at 7.02%$78.33
11,750 at 7.03%$78.41
11,750 at 7.04%$78.49
11,750 at 7.05%$78.57
11,750 at 7.06%$78.65
11,750 at 7.07%$78.73
11,750 at 7.08%$78.81
11,750 at 7.09%$78.88
11,750 at 7.1%$78.96
11,750 at 7.11%$79.04
11,750 at 7.12%$79.12
11,750 at 7.13%$79.20
11,750 at 7.14%$79.28
11,750 at 7.15%$79.36
11,750 at 7.16%$79.44
11,750 at 7.17%$79.52
11,750 at 7.18%$79.60
11,750 at 7.19%$79.68
11,750 at 7.2%$79.76
11,750 at 7.21%$79.84
11,750 at 7.22%$79.92
11,750 at 7.23%$80.00
11,750 at 7.24%$80.08
11,750 at 7.25%$80.16
11,750 at 7.26%$80.24
11,750 at 7.27%$80.32
11,750 at 7.28%$80.39
11,750 at 7.29%$80.47
11,750 at 7.3%$80.55
11,750 at 7.31%$80.63
11,750 at 7.32%$80.71
11,750 at 7.33%$80.79
11,750 at 7.34%$80.87
11,750 at 7.35%$80.95
11,750 at 7.36%$81.03
11,750 at 7.37%$81.11
11,750 at 7.38%$81.19
11,750 at 7.39%$81.27
11,750 at 7.4%$81.35
11,750 at 7.41%$81.43
11,750 at 7.42%$81.52
11,750 at 7.43%$81.60
11,750 at 7.44%$81.68
11,750 at 7.45%$81.76
11,750 at 7.46%$81.84
11,750 at 7.47%$81.92
11,750 at 7.48%$82.00
11,750 at 7.49%$82.08
11,750 at 7.5%$82.16
11,750 at 7.51%$82.24
11,750 at 7.52%$82.32
11,750 at 7.53%$82.40
11,750 at 7.54%$82.48
11,750 at 7.55%$82.56
11,750 at 7.56%$82.64
11,750 at 7.57%$82.72
11,750 at 7.58%$82.80
11,750 at 7.59%$82.88
11,750 at 7.6%$82.96
11,750 at 7.61%$83.04
11,750 at 7.62%$83.13
11,750 at 7.63%$83.21
11,750 at 7.64%$83.29
11,750 at 7.65%$83.37
11,750 at 7.66%$83.45
11,750 at 7.67%$83.53
11,750 at 7.68%$83.61
11,750 at 7.69%$83.69
11,750 at 7.7%$83.77
11,750 at 7.71%$83.85
11,750 at 7.72%$83.93
11,750 at 7.73%$84.02
11,750 at 7.74%$84.10
11,750 at 7.75%$84.18
11,750 at 7.76%$84.26
11,750 at 7.77%$84.34
11,750 at 7.78%$84.42
11,750 at 7.79%$84.50
11,750 at 7.8%$84.58
11,750 at 7.81%$84.67
11,750 at 7.82%$84.75
11,750 at 7.83%$84.83
11,750 at 7.84%$84.91
11,750 at 7.85%$84.99
11,750 at 7.86%$85.07
11,750 at 7.87%$85.15
11,750 at 7.88%$85.24
11,750 at 7.89%$85.32
11,750 at 7.9%$85.40
11,750 at 7.91%$85.48
11,750 at 7.92%$85.56
11,750 at 7.93%$85.64
11,750 at 7.94%$85.73
11,750 at 7.95%$85.81
11,750 at 7.96%$85.89
11,750 at 7.97%$85.97
11,750 at 7.98%$86.05
11,750 at 7.99%$86.14
11,750 at 8%$86.22
More Amounts
What is the down payment for a $11,750 house? How much do you need to put down?
Percent Down Down Payment
1%118
2%235
3%353
4%470
5%588
6%705
7%823
8%940
9%1,058
10%1,175
11%1,293
12%1,410
13%1,528
14%1,645
15%1,763
16%1,880
17%1,998
18%2,115
19%2,233
20%2,350
Percent Down Down Payment
21%2,468
22%2,585
23%2,703
24%2,820
25%2,938
26%3,055
27%3,173
28%3,290
29%3,408
30%3,525
31%3,643
32%3,760
33%3,878
34%3,995
35%4,113
36%4,230
37%4,348
38%4,465
39%4,583
40%4,700
Percent Down Down Payment
41%4,818
42%4,935
43%5,053
44%5,170
45%5,288
46%5,405
47%5,523
48%5,640
49%5,758
50%5,875
51%5,993
52%6,110
53%6,228
54%6,345
55%6,463
56%6,580
57%6,698
58%6,815
59%6,933
60%7,050
Percent Down Down Payment
61%7,168
62%7,285
63%7,403
64%7,520
65%7,638
66%7,755
67%7,873
68%7,990
69%8,108
70%8,225
71%8,343
72%8,460
73%8,578
74%8,695
75%8,813
76%8,930
77%9,048
78%9,165
79%9,283
80%9,400
Percent Down Down Payment
81%9,518
82%9,635
83%9,753
84%9,870
85%9,988
86%10,105
87%10,223
88%10,340
89%10,458
90%10,575
91%10,693
92%10,810
93%10,928
94%11,045
95%11,163
96%11,280
97%11,398
98%11,515
99%11,633
100%11,750
Common Loan Vocabulary Terms
APR Annual Percentage Rate, the annual cost of borrowing or lending money.
PMI Private Mortgage Insurance. A downpayment less than 20% often requires that the borrower purchase PMI. This increases the overall monthly payment.
Property Taxes Taxes charged by the local government to the owner of the property. This is often charged as a percentage of the assessed value of the property.
Insurance Home insurance protects your property against damage. Flood insurance is often recommended for some areas of the country. Individuals with a high net worth might consider an umbrella policy.
HOA Homeowners' Association. Usually part of a condo development or subdivision. The HOA often sets the rules, takes care of common maintenance, and charges a fee.
Mortgage Refinance After mortgage rates have decreased, it is often possible to get a new mortgage at a lower rate. This is a loan refinance and can save lots of money.