$12,400 Mortgage for 30 Years

What is the monthly payment of a 12,400 dollar loan?
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Loan Tables for a $12,400 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 $12,400 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
12,400 at 2.01%$45.89
12,400 at 2.02%$45.96
12,400 at 2.03%$46.02
12,400 at 2.04%$46.08
12,400 at 2.05%$46.14
12,400 at 2.06%$46.21
12,400 at 2.07%$46.27
12,400 at 2.08%$46.33
12,400 at 2.09%$46.39
12,400 at 2.1%$46.46
12,400 at 2.11%$46.52
12,400 at 2.12%$46.58
12,400 at 2.13%$46.64
12,400 at 2.14%$46.71
12,400 at 2.15%$46.77
12,400 at 2.16%$46.83
12,400 at 2.17%$46.89
12,400 at 2.18%$46.96
12,400 at 2.19%$47.02
12,400 at 2.2%$47.08
12,400 at 2.21%$47.15
12,400 at 2.22%$47.21
12,400 at 2.23%$47.27
12,400 at 2.24%$47.34
12,400 at 2.25%$47.40
12,400 at 2.26%$47.46
12,400 at 2.27%$47.53
12,400 at 2.28%$47.59
12,400 at 2.29%$47.65
12,400 at 2.3%$47.72
12,400 at 2.31%$47.78
12,400 at 2.32%$47.84
12,400 at 2.33%$47.91
12,400 at 2.34%$47.97
12,400 at 2.35%$48.03
12,400 at 2.36%$48.10
12,400 at 2.37%$48.16
12,400 at 2.38%$48.22
12,400 at 2.39%$48.29
12,400 at 2.4%$48.35
12,400 at 2.41%$48.42
12,400 at 2.42%$48.48
12,400 at 2.43%$48.54
12,400 at 2.44%$48.61
12,400 at 2.45%$48.67
12,400 at 2.46%$48.74
12,400 at 2.47%$48.80
12,400 at 2.48%$48.87
12,400 at 2.49%$48.93
12,400 at 2.5%$48.99
12,400 at 2.51%$49.06
12,400 at 2.52%$49.12
12,400 at 2.53%$49.19
12,400 at 2.54%$49.25
12,400 at 2.55%$49.32
12,400 at 2.56%$49.38
12,400 at 2.57%$49.45
12,400 at 2.58%$49.51
12,400 at 2.59%$49.58
12,400 at 2.6%$49.64
12,400 at 2.61%$49.71
12,400 at 2.62%$49.77
12,400 at 2.63%$49.84
12,400 at 2.64%$49.90
12,400 at 2.65%$49.97
12,400 at 2.66%$50.03
12,400 at 2.67%$50.10
12,400 at 2.68%$50.16
12,400 at 2.69%$50.23
12,400 at 2.7%$50.29
12,400 at 2.71%$50.36
12,400 at 2.72%$50.43
12,400 at 2.73%$50.49
12,400 at 2.74%$50.56
12,400 at 2.75%$50.62
12,400 at 2.76%$50.69
12,400 at 2.77%$50.75
12,400 at 2.78%$50.82
12,400 at 2.79%$50.89
12,400 at 2.8%$50.95
12,400 at 2.81%$51.02
12,400 at 2.82%$51.08
12,400 at 2.83%$51.15
12,400 at 2.84%$51.21
12,400 at 2.85%$51.28
12,400 at 2.86%$51.35
12,400 at 2.87%$51.41
12,400 at 2.88%$51.48
12,400 at 2.89%$51.55
12,400 at 2.9%$51.61
12,400 at 2.91%$51.68
12,400 at 2.92%$51.75
12,400 at 2.93%$51.81
12,400 at 2.94%$51.88
12,400 at 2.95%$51.95
12,400 at 2.96%$52.01
12,400 at 2.97%$52.08
12,400 at 2.98%$52.15
12,400 at 2.99%$52.21
12,400 at 3%$52.28
12,400 at 3.01%$52.35
12,400 at 3.02%$52.41
12,400 at 3.03%$52.48
12,400 at 3.04%$52.55
12,400 at 3.05%$52.61
12,400 at 3.06%$52.68
12,400 at 3.07%$52.75
12,400 at 3.08%$52.82
12,400 at 3.09%$52.88
12,400 at 3.1%$52.95
12,400 at 3.11%$53.02
12,400 at 3.12%$53.08
12,400 at 3.13%$53.15
12,400 at 3.14%$53.22
12,400 at 3.15%$53.29
12,400 at 3.16%$53.35
12,400 at 3.17%$53.42
12,400 at 3.18%$53.49
12,400 at 3.19%$53.56
12,400 at 3.2%$53.63
12,400 at 3.21%$53.69
12,400 at 3.22%$53.76
12,400 at 3.23%$53.83
12,400 at 3.24%$53.90
12,400 at 3.25%$53.97
12,400 at 3.26%$54.03
12,400 at 3.27%$54.10
12,400 at 3.28%$54.17
12,400 at 3.29%$54.24
12,400 at 3.3%$54.31
12,400 at 3.31%$54.37
12,400 at 3.32%$54.44
12,400 at 3.33%$54.51
12,400 at 3.34%$54.58
12,400 at 3.35%$54.65
12,400 at 3.36%$54.72
12,400 at 3.37%$54.79
12,400 at 3.38%$54.85
12,400 at 3.39%$54.92
12,400 at 3.4%$54.99
12,400 at 3.41%$55.06
12,400 at 3.42%$55.13
12,400 at 3.43%$55.20
12,400 at 3.44%$55.27
12,400 at 3.45%$55.34
12,400 at 3.46%$55.41
12,400 at 3.47%$55.47
12,400 at 3.48%$55.54
12,400 at 3.49%$55.61
12,400 at 3.5%$55.68
Interest Rate 30 Year
12,400 at 3.51%$55.75
12,400 at 3.52%$55.82
12,400 at 3.53%$55.89
12,400 at 3.54%$55.96
12,400 at 3.55%$56.03
12,400 at 3.56%$56.10
12,400 at 3.57%$56.17
12,400 at 3.58%$56.24
12,400 at 3.59%$56.31
12,400 at 3.6%$56.38
12,400 at 3.61%$56.45
12,400 at 3.62%$56.52
12,400 at 3.63%$56.59
12,400 at 3.64%$56.66
12,400 at 3.65%$56.72
12,400 at 3.66%$56.79
12,400 at 3.67%$56.86
12,400 at 3.68%$56.93
12,400 at 3.69%$57.00
12,400 at 3.7%$57.08
12,400 at 3.71%$57.15
12,400 at 3.72%$57.22
12,400 at 3.73%$57.29
12,400 at 3.74%$57.36
12,400 at 3.75%$57.43
12,400 at 3.76%$57.50
12,400 at 3.77%$57.57
12,400 at 3.78%$57.64
12,400 at 3.79%$57.71
12,400 at 3.8%$57.78
12,400 at 3.81%$57.85
12,400 at 3.82%$57.92
12,400 at 3.83%$57.99
12,400 at 3.84%$58.06
12,400 at 3.85%$58.13
12,400 at 3.86%$58.20
12,400 at 3.87%$58.27
12,400 at 3.88%$58.34
12,400 at 3.89%$58.42
12,400 at 3.9%$58.49
12,400 at 3.91%$58.56
12,400 at 3.92%$58.63
12,400 at 3.93%$58.70
12,400 at 3.94%$58.77
12,400 at 3.95%$58.84
12,400 at 3.96%$58.91
12,400 at 3.97%$58.99
12,400 at 3.98%$59.06
12,400 at 3.99%$59.13
12,400 at 4%$59.20
12,400 at 4.01%$59.27
12,400 at 4.02%$59.34
12,400 at 4.03%$59.41
12,400 at 4.04%$59.49
12,400 at 4.05%$59.56
12,400 at 4.06%$59.63
12,400 at 4.07%$59.70
12,400 at 4.08%$59.77
12,400 at 4.09%$59.84
12,400 at 4.1%$59.92
12,400 at 4.11%$59.99
12,400 at 4.12%$60.06
12,400 at 4.13%$60.13
12,400 at 4.14%$60.20
12,400 at 4.15%$60.28
12,400 at 4.16%$60.35
12,400 at 4.17%$60.42
12,400 at 4.18%$60.49
12,400 at 4.19%$60.57
12,400 at 4.2%$60.64
12,400 at 4.21%$60.71
12,400 at 4.22%$60.78
12,400 at 4.23%$60.86
12,400 at 4.24%$60.93
12,400 at 4.25%$61.00
12,400 at 4.26%$61.07
12,400 at 4.27%$61.15
12,400 at 4.28%$61.22
12,400 at 4.29%$61.29
12,400 at 4.3%$61.36
12,400 at 4.31%$61.44
12,400 at 4.32%$61.51
12,400 at 4.33%$61.58
12,400 at 4.34%$61.66
12,400 at 4.35%$61.73
12,400 at 4.36%$61.80
12,400 at 4.37%$61.87
12,400 at 4.38%$61.95
12,400 at 4.39%$62.02
12,400 at 4.4%$62.09
12,400 at 4.41%$62.17
12,400 at 4.42%$62.24
12,400 at 4.43%$62.31
12,400 at 4.44%$62.39
12,400 at 4.45%$62.46
12,400 at 4.46%$62.53
12,400 at 4.47%$62.61
12,400 at 4.48%$62.68
12,400 at 4.49%$62.76
12,400 at 4.5%$62.83
12,400 at 4.51%$62.90
12,400 at 4.52%$62.98
12,400 at 4.53%$63.05
12,400 at 4.54%$63.12
12,400 at 4.55%$63.20
12,400 at 4.56%$63.27
12,400 at 4.57%$63.35
12,400 at 4.58%$63.42
12,400 at 4.59%$63.49
12,400 at 4.6%$63.57
12,400 at 4.61%$63.64
12,400 at 4.62%$63.72
12,400 at 4.63%$63.79
12,400 at 4.64%$63.86
12,400 at 4.65%$63.94
12,400 at 4.66%$64.01
12,400 at 4.67%$64.09
12,400 at 4.68%$64.16
12,400 at 4.69%$64.24
12,400 at 4.7%$64.31
12,400 at 4.71%$64.39
12,400 at 4.72%$64.46
12,400 at 4.73%$64.53
12,400 at 4.74%$64.61
12,400 at 4.75%$64.68
12,400 at 4.76%$64.76
12,400 at 4.77%$64.83
12,400 at 4.78%$64.91
12,400 at 4.79%$64.98
12,400 at 4.8%$65.06
12,400 at 4.81%$65.13
12,400 at 4.82%$65.21
12,400 at 4.83%$65.28
12,400 at 4.84%$65.36
12,400 at 4.85%$65.43
12,400 at 4.86%$65.51
12,400 at 4.87%$65.58
12,400 at 4.88%$65.66
12,400 at 4.89%$65.73
12,400 at 4.9%$65.81
12,400 at 4.91%$65.89
12,400 at 4.92%$65.96
12,400 at 4.93%$66.04
12,400 at 4.94%$66.11
12,400 at 4.95%$66.19
12,400 at 4.96%$66.26
12,400 at 4.97%$66.34
12,400 at 4.98%$66.41
12,400 at 4.99%$66.49
12,400 at 5%$66.57
Interest Rate 30 Year
12,400 at 5.01%$66.64
12,400 at 5.02%$66.72
12,400 at 5.03%$66.79
12,400 at 5.04%$66.87
12,400 at 5.05%$66.95
12,400 at 5.06%$67.02
12,400 at 5.07%$67.10
12,400 at 5.08%$67.17
12,400 at 5.09%$67.25
12,400 at 5.1%$67.33
12,400 at 5.11%$67.40
12,400 at 5.12%$67.48
12,400 at 5.13%$67.55
12,400 at 5.14%$67.63
12,400 at 5.15%$67.71
12,400 at 5.16%$67.78
12,400 at 5.17%$67.86
12,400 at 5.18%$67.94
12,400 at 5.19%$68.01
12,400 at 5.2%$68.09
12,400 at 5.21%$68.17
12,400 at 5.22%$68.24
12,400 at 5.23%$68.32
12,400 at 5.24%$68.40
12,400 at 5.25%$68.47
12,400 at 5.26%$68.55
12,400 at 5.27%$68.63
12,400 at 5.28%$68.70
12,400 at 5.29%$68.78
12,400 at 5.3%$68.86
12,400 at 5.31%$68.93
12,400 at 5.32%$69.01
12,400 at 5.33%$69.09
12,400 at 5.34%$69.17
12,400 at 5.35%$69.24
12,400 at 5.36%$69.32
12,400 at 5.37%$69.40
12,400 at 5.38%$69.48
12,400 at 5.39%$69.55
12,400 at 5.4%$69.63
12,400 at 5.41%$69.71
12,400 at 5.42%$69.78
12,400 at 5.43%$69.86
12,400 at 5.44%$69.94
12,400 at 5.45%$70.02
12,400 at 5.46%$70.09
12,400 at 5.47%$70.17
12,400 at 5.48%$70.25
12,400 at 5.49%$70.33
12,400 at 5.5%$70.41
12,400 at 5.51%$70.48
12,400 at 5.52%$70.56
12,400 at 5.53%$70.64
12,400 at 5.54%$70.72
12,400 at 5.55%$70.80
12,400 at 5.56%$70.87
12,400 at 5.57%$70.95
12,400 at 5.58%$71.03
12,400 at 5.59%$71.11
12,400 at 5.6%$71.19
12,400 at 5.61%$71.26
12,400 at 5.62%$71.34
12,400 at 5.63%$71.42
12,400 at 5.64%$71.50
12,400 at 5.65%$71.58
12,400 at 5.66%$71.66
12,400 at 5.67%$71.73
12,400 at 5.68%$71.81
12,400 at 5.69%$71.89
12,400 at 5.7%$71.97
12,400 at 5.71%$72.05
12,400 at 5.72%$72.13
12,400 at 5.73%$72.21
12,400 at 5.74%$72.28
12,400 at 5.75%$72.36
12,400 at 5.76%$72.44
12,400 at 5.77%$72.52
12,400 at 5.78%$72.60
12,400 at 5.79%$72.68
12,400 at 5.8%$72.76
12,400 at 5.81%$72.84
12,400 at 5.82%$72.92
12,400 at 5.83%$72.99
12,400 at 5.84%$73.07
12,400 at 5.85%$73.15
12,400 at 5.86%$73.23
12,400 at 5.87%$73.31
12,400 at 5.88%$73.39
12,400 at 5.89%$73.47
12,400 at 5.9%$73.55
12,400 at 5.91%$73.63
12,400 at 5.92%$73.71
12,400 at 5.93%$73.79
12,400 at 5.94%$73.87
12,400 at 5.95%$73.95
12,400 at 5.96%$74.03
12,400 at 5.97%$74.11
12,400 at 5.98%$74.18
12,400 at 5.99%$74.26
12,400 at 6%$74.34
12,400 at 6.01%$74.42
12,400 at 6.02%$74.50
12,400 at 6.03%$74.58
12,400 at 6.04%$74.66
12,400 at 6.05%$74.74
12,400 at 6.06%$74.82
12,400 at 6.07%$74.90
12,400 at 6.08%$74.98
12,400 at 6.09%$75.06
12,400 at 6.1%$75.14
12,400 at 6.11%$75.22
12,400 at 6.12%$75.30
12,400 at 6.13%$75.38
12,400 at 6.14%$75.46
12,400 at 6.15%$75.54
12,400 at 6.16%$75.62
12,400 at 6.17%$75.70
12,400 at 6.18%$75.79
12,400 at 6.19%$75.87
12,400 at 6.2%$75.95
12,400 at 6.21%$76.03
12,400 at 6.22%$76.11
12,400 at 6.23%$76.19
12,400 at 6.24%$76.27
12,400 at 6.25%$76.35
12,400 at 6.26%$76.43
12,400 at 6.27%$76.51
12,400 at 6.28%$76.59
12,400 at 6.29%$76.67
12,400 at 6.3%$76.75
12,400 at 6.31%$76.83
12,400 at 6.32%$76.91
12,400 at 6.33%$77.00
12,400 at 6.34%$77.08
12,400 at 6.35%$77.16
12,400 at 6.36%$77.24
12,400 at 6.37%$77.32
12,400 at 6.38%$77.40
12,400 at 6.39%$77.48
12,400 at 6.4%$77.56
12,400 at 6.41%$77.64
12,400 at 6.42%$77.73
12,400 at 6.43%$77.81
12,400 at 6.44%$77.89
12,400 at 6.45%$77.97
12,400 at 6.46%$78.05
12,400 at 6.47%$78.13
12,400 at 6.48%$78.21
12,400 at 6.49%$78.29
12,400 at 6.5%$78.38
Interest Rate 30 Year
12,400 at 6.51%$78.46
12,400 at 6.52%$78.54
12,400 at 6.53%$78.62
12,400 at 6.54%$78.70
12,400 at 6.55%$78.78
12,400 at 6.56%$78.87
12,400 at 6.57%$78.95
12,400 at 6.58%$79.03
12,400 at 6.59%$79.11
12,400 at 6.6%$79.19
12,400 at 6.61%$79.28
12,400 at 6.62%$79.36
12,400 at 6.63%$79.44
12,400 at 6.64%$79.52
12,400 at 6.65%$79.60
12,400 at 6.66%$79.69
12,400 at 6.67%$79.77
12,400 at 6.68%$79.85
12,400 at 6.69%$79.93
12,400 at 6.7%$80.01
12,400 at 6.71%$80.10
12,400 at 6.72%$80.18
12,400 at 6.73%$80.26
12,400 at 6.74%$80.34
12,400 at 6.75%$80.43
12,400 at 6.76%$80.51
12,400 at 6.77%$80.59
12,400 at 6.78%$80.67
12,400 at 6.79%$80.76
12,400 at 6.8%$80.84
12,400 at 6.81%$80.92
12,400 at 6.82%$81.00
12,400 at 6.83%$81.09
12,400 at 6.84%$81.17
12,400 at 6.85%$81.25
12,400 at 6.86%$81.33
12,400 at 6.87%$81.42
12,400 at 6.88%$81.50
12,400 at 6.89%$81.58
12,400 at 6.9%$81.67
12,400 at 6.91%$81.75
12,400 at 6.92%$81.83
12,400 at 6.93%$81.92
12,400 at 6.94%$82.00
12,400 at 6.95%$82.08
12,400 at 6.96%$82.16
12,400 at 6.97%$82.25
12,400 at 6.98%$82.33
12,400 at 6.99%$82.41
12,400 at 7%$82.50
12,400 at 7.01%$82.58
12,400 at 7.02%$82.66
12,400 at 7.03%$82.75
12,400 at 7.04%$82.83
12,400 at 7.05%$82.91
12,400 at 7.06%$83.00
12,400 at 7.07%$83.08
12,400 at 7.08%$83.16
12,400 at 7.09%$83.25
12,400 at 7.1%$83.33
12,400 at 7.11%$83.42
12,400 at 7.12%$83.50
12,400 at 7.13%$83.58
12,400 at 7.14%$83.67
12,400 at 7.15%$83.75
12,400 at 7.16%$83.83
12,400 at 7.17%$83.92
12,400 at 7.18%$84.00
12,400 at 7.19%$84.09
12,400 at 7.2%$84.17
12,400 at 7.21%$84.25
12,400 at 7.22%$84.34
12,400 at 7.23%$84.42
12,400 at 7.24%$84.51
12,400 at 7.25%$84.59
12,400 at 7.26%$84.67
12,400 at 7.27%$84.76
12,400 at 7.28%$84.84
12,400 at 7.29%$84.93
12,400 at 7.3%$85.01
12,400 at 7.31%$85.10
12,400 at 7.32%$85.18
12,400 at 7.33%$85.26
12,400 at 7.34%$85.35
12,400 at 7.35%$85.43
12,400 at 7.36%$85.52
12,400 at 7.37%$85.60
12,400 at 7.38%$85.69
12,400 at 7.39%$85.77
12,400 at 7.4%$85.86
12,400 at 7.41%$85.94
12,400 at 7.42%$86.02
12,400 at 7.43%$86.11
12,400 at 7.44%$86.19
12,400 at 7.45%$86.28
12,400 at 7.46%$86.36
12,400 at 7.47%$86.45
12,400 at 7.48%$86.53
12,400 at 7.49%$86.62
12,400 at 7.5%$86.70
12,400 at 7.51%$86.79
12,400 at 7.52%$86.87
12,400 at 7.53%$86.96
12,400 at 7.54%$87.04
12,400 at 7.55%$87.13
12,400 at 7.56%$87.21
12,400 at 7.57%$87.30
12,400 at 7.58%$87.38
12,400 at 7.59%$87.47
12,400 at 7.6%$87.55
12,400 at 7.61%$87.64
12,400 at 7.62%$87.72
12,400 at 7.63%$87.81
12,400 at 7.64%$87.89
12,400 at 7.65%$87.98
12,400 at 7.66%$88.07
12,400 at 7.67%$88.15
12,400 at 7.68%$88.24
12,400 at 7.69%$88.32
12,400 at 7.7%$88.41
12,400 at 7.71%$88.49
12,400 at 7.72%$88.58
12,400 at 7.73%$88.66
12,400 at 7.74%$88.75
12,400 at 7.75%$88.84
12,400 at 7.76%$88.92
12,400 at 7.77%$89.01
12,400 at 7.78%$89.09
12,400 at 7.79%$89.18
12,400 at 7.8%$89.26
12,400 at 7.81%$89.35
12,400 at 7.82%$89.44
12,400 at 7.83%$89.52
12,400 at 7.84%$89.61
12,400 at 7.85%$89.69
12,400 at 7.86%$89.78
12,400 at 7.87%$89.87
12,400 at 7.88%$89.95
12,400 at 7.89%$90.04
12,400 at 7.9%$90.12
12,400 at 7.91%$90.21
12,400 at 7.92%$90.30
12,400 at 7.93%$90.38
12,400 at 7.94%$90.47
12,400 at 7.95%$90.55
12,400 at 7.96%$90.64
12,400 at 7.97%$90.73
12,400 at 7.98%$90.81
12,400 at 7.99%$90.90
12,400 at 8%$90.99
More Amounts
What is the down payment for a $12,400 house? How much do you need to put down?
Percent Down Down Payment
1%124
2%248
3%372
4%496
5%620
6%744
7%868
8%992
9%1,116
10%1,240
11%1,364
12%1,488
13%1,612
14%1,736
15%1,860
16%1,984
17%2,108
18%2,232
19%2,356
20%2,480
Percent Down Down Payment
21%2,604
22%2,728
23%2,852
24%2,976
25%3,100
26%3,224
27%3,348
28%3,472
29%3,596
30%3,720
31%3,844
32%3,968
33%4,092
34%4,216
35%4,340
36%4,464
37%4,588
38%4,712
39%4,836
40%4,960
Percent Down Down Payment
41%5,084
42%5,208
43%5,332
44%5,456
45%5,580
46%5,704
47%5,828
48%5,952
49%6,076
50%6,200
51%6,324
52%6,448
53%6,572
54%6,696
55%6,820
56%6,944
57%7,068
58%7,192
59%7,316
60%7,440
Percent Down Down Payment
61%7,564
62%7,688
63%7,812
64%7,936
65%8,060
66%8,184
67%8,308
68%8,432
69%8,556
70%8,680
71%8,804
72%8,928
73%9,052
74%9,176
75%9,300
76%9,424
77%9,548
78%9,672
79%9,796
80%9,920
Percent Down Down Payment
81%10,044
82%10,168
83%10,292
84%10,416
85%10,540
86%10,664
87%10,788
88%10,912
89%11,036
90%11,160
91%11,284
92%11,408
93%11,532
94%11,656
95%11,780
96%11,904
97%12,028
98%12,152
99%12,276
100%12,400
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.