$7,450 Mortgage for 30 Years

What is the monthly payment of a 7,450 dollar loan?
$
$
%
%
years
Loan Tables for a $7,450 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 7k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $7,450 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
7,450 at 2.01%$27.57
7,450 at 2.02%$27.61
7,450 at 2.03%$27.65
7,450 at 2.04%$27.69
7,450 at 2.05%$27.72
7,450 at 2.06%$27.76
7,450 at 2.07%$27.80
7,450 at 2.08%$27.84
7,450 at 2.09%$27.87
7,450 at 2.1%$27.91
7,450 at 2.11%$27.95
7,450 at 2.12%$27.99
7,450 at 2.13%$28.02
7,450 at 2.14%$28.06
7,450 at 2.15%$28.10
7,450 at 2.16%$28.14
7,450 at 2.17%$28.17
7,450 at 2.18%$28.21
7,450 at 2.19%$28.25
7,450 at 2.2%$28.29
7,450 at 2.21%$28.33
7,450 at 2.22%$28.36
7,450 at 2.23%$28.40
7,450 at 2.24%$28.44
7,450 at 2.25%$28.48
7,450 at 2.26%$28.52
7,450 at 2.27%$28.55
7,450 at 2.28%$28.59
7,450 at 2.29%$28.63
7,450 at 2.3%$28.67
7,450 at 2.31%$28.71
7,450 at 2.32%$28.74
7,450 at 2.33%$28.78
7,450 at 2.34%$28.82
7,450 at 2.35%$28.86
7,450 at 2.36%$28.90
7,450 at 2.37%$28.94
7,450 at 2.38%$28.97
7,450 at 2.39%$29.01
7,450 at 2.4%$29.05
7,450 at 2.41%$29.09
7,450 at 2.42%$29.13
7,450 at 2.43%$29.17
7,450 at 2.44%$29.20
7,450 at 2.45%$29.24
7,450 at 2.46%$29.28
7,450 at 2.47%$29.32
7,450 at 2.48%$29.36
7,450 at 2.49%$29.40
7,450 at 2.5%$29.44
7,450 at 2.51%$29.48
7,450 at 2.52%$29.51
7,450 at 2.53%$29.55
7,450 at 2.54%$29.59
7,450 at 2.55%$29.63
7,450 at 2.56%$29.67
7,450 at 2.57%$29.71
7,450 at 2.58%$29.75
7,450 at 2.59%$29.79
7,450 at 2.6%$29.83
7,450 at 2.61%$29.86
7,450 at 2.62%$29.90
7,450 at 2.63%$29.94
7,450 at 2.64%$29.98
7,450 at 2.65%$30.02
7,450 at 2.66%$30.06
7,450 at 2.67%$30.10
7,450 at 2.68%$30.14
7,450 at 2.69%$30.18
7,450 at 2.7%$30.22
7,450 at 2.71%$30.26
7,450 at 2.72%$30.30
7,450 at 2.73%$30.34
7,450 at 2.74%$30.37
7,450 at 2.75%$30.41
7,450 at 2.76%$30.45
7,450 at 2.77%$30.49
7,450 at 2.78%$30.53
7,450 at 2.79%$30.57
7,450 at 2.8%$30.61
7,450 at 2.81%$30.65
7,450 at 2.82%$30.69
7,450 at 2.83%$30.73
7,450 at 2.84%$30.77
7,450 at 2.85%$30.81
7,450 at 2.86%$30.85
7,450 at 2.87%$30.89
7,450 at 2.88%$30.93
7,450 at 2.89%$30.97
7,450 at 2.9%$31.01
7,450 at 2.91%$31.05
7,450 at 2.92%$31.09
7,450 at 2.93%$31.13
7,450 at 2.94%$31.17
7,450 at 2.95%$31.21
7,450 at 2.96%$31.25
7,450 at 2.97%$31.29
7,450 at 2.98%$31.33
7,450 at 2.99%$31.37
7,450 at 3%$31.41
7,450 at 3.01%$31.45
7,450 at 3.02%$31.49
7,450 at 3.03%$31.53
7,450 at 3.04%$31.57
7,450 at 3.05%$31.61
7,450 at 3.06%$31.65
7,450 at 3.07%$31.69
7,450 at 3.08%$31.73
7,450 at 3.09%$31.77
7,450 at 3.1%$31.81
7,450 at 3.11%$31.85
7,450 at 3.12%$31.89
7,450 at 3.13%$31.93
7,450 at 3.14%$31.97
7,450 at 3.15%$32.02
7,450 at 3.16%$32.06
7,450 at 3.17%$32.10
7,450 at 3.18%$32.14
7,450 at 3.19%$32.18
7,450 at 3.2%$32.22
7,450 at 3.21%$32.26
7,450 at 3.22%$32.30
7,450 at 3.23%$32.34
7,450 at 3.24%$32.38
7,450 at 3.25%$32.42
7,450 at 3.26%$32.46
7,450 at 3.27%$32.50
7,450 at 3.28%$32.55
7,450 at 3.29%$32.59
7,450 at 3.3%$32.63
7,450 at 3.31%$32.67
7,450 at 3.32%$32.71
7,450 at 3.33%$32.75
7,450 at 3.34%$32.79
7,450 at 3.35%$32.83
7,450 at 3.36%$32.87
7,450 at 3.37%$32.92
7,450 at 3.38%$32.96
7,450 at 3.39%$33.00
7,450 at 3.4%$33.04
7,450 at 3.41%$33.08
7,450 at 3.42%$33.12
7,450 at 3.43%$33.16
7,450 at 3.44%$33.20
7,450 at 3.45%$33.25
7,450 at 3.46%$33.29
7,450 at 3.47%$33.33
7,450 at 3.48%$33.37
7,450 at 3.49%$33.41
7,450 at 3.5%$33.45
Interest Rate 30 Year
7,450 at 3.51%$33.50
7,450 at 3.52%$33.54
7,450 at 3.53%$33.58
7,450 at 3.54%$33.62
7,450 at 3.55%$33.66
7,450 at 3.56%$33.70
7,450 at 3.57%$33.75
7,450 at 3.58%$33.79
7,450 at 3.59%$33.83
7,450 at 3.6%$33.87
7,450 at 3.61%$33.91
7,450 at 3.62%$33.95
7,450 at 3.63%$34.00
7,450 at 3.64%$34.04
7,450 at 3.65%$34.08
7,450 at 3.66%$34.12
7,450 at 3.67%$34.16
7,450 at 3.68%$34.21
7,450 at 3.69%$34.25
7,450 at 3.7%$34.29
7,450 at 3.71%$34.33
7,450 at 3.72%$34.38
7,450 at 3.73%$34.42
7,450 at 3.74%$34.46
7,450 at 3.75%$34.50
7,450 at 3.76%$34.54
7,450 at 3.77%$34.59
7,450 at 3.78%$34.63
7,450 at 3.79%$34.67
7,450 at 3.8%$34.71
7,450 at 3.81%$34.76
7,450 at 3.82%$34.80
7,450 at 3.83%$34.84
7,450 at 3.84%$34.88
7,450 at 3.85%$34.93
7,450 at 3.86%$34.97
7,450 at 3.87%$35.01
7,450 at 3.88%$35.05
7,450 at 3.89%$35.10
7,450 at 3.9%$35.14
7,450 at 3.91%$35.18
7,450 at 3.92%$35.22
7,450 at 3.93%$35.27
7,450 at 3.94%$35.31
7,450 at 3.95%$35.35
7,450 at 3.96%$35.40
7,450 at 3.97%$35.44
7,450 at 3.98%$35.48
7,450 at 3.99%$35.52
7,450 at 4%$35.57
7,450 at 4.01%$35.61
7,450 at 4.02%$35.65
7,450 at 4.03%$35.70
7,450 at 4.04%$35.74
7,450 at 4.05%$35.78
7,450 at 4.06%$35.83
7,450 at 4.07%$35.87
7,450 at 4.08%$35.91
7,450 at 4.09%$35.96
7,450 at 4.1%$36.00
7,450 at 4.11%$36.04
7,450 at 4.12%$36.08
7,450 at 4.13%$36.13
7,450 at 4.14%$36.17
7,450 at 4.15%$36.21
7,450 at 4.16%$36.26
7,450 at 4.17%$36.30
7,450 at 4.18%$36.34
7,450 at 4.19%$36.39
7,450 at 4.2%$36.43
7,450 at 4.21%$36.48
7,450 at 4.22%$36.52
7,450 at 4.23%$36.56
7,450 at 4.24%$36.61
7,450 at 4.25%$36.65
7,450 at 4.26%$36.69
7,450 at 4.27%$36.74
7,450 at 4.28%$36.78
7,450 at 4.29%$36.82
7,450 at 4.3%$36.87
7,450 at 4.31%$36.91
7,450 at 4.32%$36.96
7,450 at 4.33%$37.00
7,450 at 4.34%$37.04
7,450 at 4.35%$37.09
7,450 at 4.36%$37.13
7,450 at 4.37%$37.17
7,450 at 4.38%$37.22
7,450 at 4.39%$37.26
7,450 at 4.4%$37.31
7,450 at 4.41%$37.35
7,450 at 4.42%$37.39
7,450 at 4.43%$37.44
7,450 at 4.44%$37.48
7,450 at 4.45%$37.53
7,450 at 4.46%$37.57
7,450 at 4.47%$37.62
7,450 at 4.48%$37.66
7,450 at 4.49%$37.70
7,450 at 4.5%$37.75
7,450 at 4.51%$37.79
7,450 at 4.52%$37.84
7,450 at 4.53%$37.88
7,450 at 4.54%$37.93
7,450 at 4.55%$37.97
7,450 at 4.56%$38.01
7,450 at 4.57%$38.06
7,450 at 4.58%$38.10
7,450 at 4.59%$38.15
7,450 at 4.6%$38.19
7,450 at 4.61%$38.24
7,450 at 4.62%$38.28
7,450 at 4.63%$38.33
7,450 at 4.64%$38.37
7,450 at 4.65%$38.41
7,450 at 4.66%$38.46
7,450 at 4.67%$38.50
7,450 at 4.68%$38.55
7,450 at 4.69%$38.59
7,450 at 4.7%$38.64
7,450 at 4.71%$38.68
7,450 at 4.72%$38.73
7,450 at 4.73%$38.77
7,450 at 4.74%$38.82
7,450 at 4.75%$38.86
7,450 at 4.76%$38.91
7,450 at 4.77%$38.95
7,450 at 4.78%$39.00
7,450 at 4.79%$39.04
7,450 at 4.8%$39.09
7,450 at 4.81%$39.13
7,450 at 4.82%$39.18
7,450 at 4.83%$39.22
7,450 at 4.84%$39.27
7,450 at 4.85%$39.31
7,450 at 4.86%$39.36
7,450 at 4.87%$39.40
7,450 at 4.88%$39.45
7,450 at 4.89%$39.49
7,450 at 4.9%$39.54
7,450 at 4.91%$39.58
7,450 at 4.92%$39.63
7,450 at 4.93%$39.68
7,450 at 4.94%$39.72
7,450 at 4.95%$39.77
7,450 at 4.96%$39.81
7,450 at 4.97%$39.86
7,450 at 4.98%$39.90
7,450 at 4.99%$39.95
7,450 at 5%$39.99
Interest Rate 30 Year
7,450 at 5.01%$40.04
7,450 at 5.02%$40.08
7,450 at 5.03%$40.13
7,450 at 5.04%$40.18
7,450 at 5.05%$40.22
7,450 at 5.06%$40.27
7,450 at 5.07%$40.31
7,450 at 5.08%$40.36
7,450 at 5.09%$40.40
7,450 at 5.1%$40.45
7,450 at 5.11%$40.50
7,450 at 5.12%$40.54
7,450 at 5.13%$40.59
7,450 at 5.14%$40.63
7,450 at 5.15%$40.68
7,450 at 5.16%$40.72
7,450 at 5.17%$40.77
7,450 at 5.18%$40.82
7,450 at 5.19%$40.86
7,450 at 5.2%$40.91
7,450 at 5.21%$40.95
7,450 at 5.22%$41.00
7,450 at 5.23%$41.05
7,450 at 5.24%$41.09
7,450 at 5.25%$41.14
7,450 at 5.26%$41.19
7,450 at 5.27%$41.23
7,450 at 5.28%$41.28
7,450 at 5.29%$41.32
7,450 at 5.3%$41.37
7,450 at 5.31%$41.42
7,450 at 5.32%$41.46
7,450 at 5.33%$41.51
7,450 at 5.34%$41.56
7,450 at 5.35%$41.60
7,450 at 5.36%$41.65
7,450 at 5.37%$41.69
7,450 at 5.38%$41.74
7,450 at 5.39%$41.79
7,450 at 5.4%$41.83
7,450 at 5.41%$41.88
7,450 at 5.42%$41.93
7,450 at 5.43%$41.97
7,450 at 5.44%$42.02
7,450 at 5.45%$42.07
7,450 at 5.46%$42.11
7,450 at 5.47%$42.16
7,450 at 5.48%$42.21
7,450 at 5.49%$42.25
7,450 at 5.5%$42.30
7,450 at 5.51%$42.35
7,450 at 5.52%$42.39
7,450 at 5.53%$42.44
7,450 at 5.54%$42.49
7,450 at 5.55%$42.53
7,450 at 5.56%$42.58
7,450 at 5.57%$42.63
7,450 at 5.58%$42.67
7,450 at 5.59%$42.72
7,450 at 5.6%$42.77
7,450 at 5.61%$42.82
7,450 at 5.62%$42.86
7,450 at 5.63%$42.91
7,450 at 5.64%$42.96
7,450 at 5.65%$43.00
7,450 at 5.66%$43.05
7,450 at 5.67%$43.10
7,450 at 5.68%$43.15
7,450 at 5.69%$43.19
7,450 at 5.7%$43.24
7,450 at 5.71%$43.29
7,450 at 5.72%$43.33
7,450 at 5.73%$43.38
7,450 at 5.74%$43.43
7,450 at 5.75%$43.48
7,450 at 5.76%$43.52
7,450 at 5.77%$43.57
7,450 at 5.78%$43.62
7,450 at 5.79%$43.67
7,450 at 5.8%$43.71
7,450 at 5.81%$43.76
7,450 at 5.82%$43.81
7,450 at 5.83%$43.86
7,450 at 5.84%$43.90
7,450 at 5.85%$43.95
7,450 at 5.86%$44.00
7,450 at 5.87%$44.05
7,450 at 5.88%$44.09
7,450 at 5.89%$44.14
7,450 at 5.9%$44.19
7,450 at 5.91%$44.24
7,450 at 5.92%$44.28
7,450 at 5.93%$44.33
7,450 at 5.94%$44.38
7,450 at 5.95%$44.43
7,450 at 5.96%$44.48
7,450 at 5.97%$44.52
7,450 at 5.98%$44.57
7,450 at 5.99%$44.62
7,450 at 6%$44.67
7,450 at 6.01%$44.71
7,450 at 6.02%$44.76
7,450 at 6.03%$44.81
7,450 at 6.04%$44.86
7,450 at 6.05%$44.91
7,450 at 6.06%$44.95
7,450 at 6.07%$45.00
7,450 at 6.08%$45.05
7,450 at 6.09%$45.10
7,450 at 6.1%$45.15
7,450 at 6.11%$45.19
7,450 at 6.12%$45.24
7,450 at 6.13%$45.29
7,450 at 6.14%$45.34
7,450 at 6.15%$45.39
7,450 at 6.16%$45.44
7,450 at 6.17%$45.48
7,450 at 6.18%$45.53
7,450 at 6.19%$45.58
7,450 at 6.2%$45.63
7,450 at 6.21%$45.68
7,450 at 6.22%$45.73
7,450 at 6.23%$45.77
7,450 at 6.24%$45.82
7,450 at 6.25%$45.87
7,450 at 6.26%$45.92
7,450 at 6.27%$45.97
7,450 at 6.28%$46.02
7,450 at 6.29%$46.06
7,450 at 6.3%$46.11
7,450 at 6.31%$46.16
7,450 at 6.32%$46.21
7,450 at 6.33%$46.26
7,450 at 6.34%$46.31
7,450 at 6.35%$46.36
7,450 at 6.36%$46.41
7,450 at 6.37%$46.45
7,450 at 6.38%$46.50
7,450 at 6.39%$46.55
7,450 at 6.4%$46.60
7,450 at 6.41%$46.65
7,450 at 6.42%$46.70
7,450 at 6.43%$46.75
7,450 at 6.44%$46.80
7,450 at 6.45%$46.84
7,450 at 6.46%$46.89
7,450 at 6.47%$46.94
7,450 at 6.48%$46.99
7,450 at 6.49%$47.04
7,450 at 6.5%$47.09
Interest Rate 30 Year
7,450 at 6.51%$47.14
7,450 at 6.52%$47.19
7,450 at 6.53%$47.24
7,450 at 6.54%$47.29
7,450 at 6.55%$47.33
7,450 at 6.56%$47.38
7,450 at 6.57%$47.43
7,450 at 6.58%$47.48
7,450 at 6.59%$47.53
7,450 at 6.6%$47.58
7,450 at 6.61%$47.63
7,450 at 6.62%$47.68
7,450 at 6.63%$47.73
7,450 at 6.64%$47.78
7,450 at 6.65%$47.83
7,450 at 6.66%$47.88
7,450 at 6.67%$47.93
7,450 at 6.68%$47.97
7,450 at 6.69%$48.02
7,450 at 6.7%$48.07
7,450 at 6.71%$48.12
7,450 at 6.72%$48.17
7,450 at 6.73%$48.22
7,450 at 6.74%$48.27
7,450 at 6.75%$48.32
7,450 at 6.76%$48.37
7,450 at 6.77%$48.42
7,450 at 6.78%$48.47
7,450 at 6.79%$48.52
7,450 at 6.8%$48.57
7,450 at 6.81%$48.62
7,450 at 6.82%$48.67
7,450 at 6.83%$48.72
7,450 at 6.84%$48.77
7,450 at 6.85%$48.82
7,450 at 6.86%$48.87
7,450 at 6.87%$48.92
7,450 at 6.88%$48.97
7,450 at 6.89%$49.02
7,450 at 6.9%$49.07
7,450 at 6.91%$49.12
7,450 at 6.92%$49.17
7,450 at 6.93%$49.22
7,450 at 6.94%$49.27
7,450 at 6.95%$49.32
7,450 at 6.96%$49.37
7,450 at 6.97%$49.42
7,450 at 6.98%$49.47
7,450 at 6.99%$49.52
7,450 at 7%$49.57
7,450 at 7.01%$49.62
7,450 at 7.02%$49.67
7,450 at 7.03%$49.72
7,450 at 7.04%$49.77
7,450 at 7.05%$49.82
7,450 at 7.06%$49.87
7,450 at 7.07%$49.92
7,450 at 7.08%$49.97
7,450 at 7.09%$50.02
7,450 at 7.1%$50.07
7,450 at 7.11%$50.12
7,450 at 7.12%$50.17
7,450 at 7.13%$50.22
7,450 at 7.14%$50.27
7,450 at 7.15%$50.32
7,450 at 7.16%$50.37
7,450 at 7.17%$50.42
7,450 at 7.18%$50.47
7,450 at 7.19%$50.52
7,450 at 7.2%$50.57
7,450 at 7.21%$50.62
7,450 at 7.22%$50.67
7,450 at 7.23%$50.72
7,450 at 7.24%$50.77
7,450 at 7.25%$50.82
7,450 at 7.26%$50.87
7,450 at 7.27%$50.92
7,450 at 7.28%$50.97
7,450 at 7.29%$51.02
7,450 at 7.3%$51.08
7,450 at 7.31%$51.13
7,450 at 7.32%$51.18
7,450 at 7.33%$51.23
7,450 at 7.34%$51.28
7,450 at 7.35%$51.33
7,450 at 7.36%$51.38
7,450 at 7.37%$51.43
7,450 at 7.38%$51.48
7,450 at 7.39%$51.53
7,450 at 7.4%$51.58
7,450 at 7.41%$51.63
7,450 at 7.42%$51.68
7,450 at 7.43%$51.73
7,450 at 7.44%$51.79
7,450 at 7.45%$51.84
7,450 at 7.46%$51.89
7,450 at 7.47%$51.94
7,450 at 7.48%$51.99
7,450 at 7.49%$52.04
7,450 at 7.5%$52.09
7,450 at 7.51%$52.14
7,450 at 7.52%$52.19
7,450 at 7.53%$52.24
7,450 at 7.54%$52.30
7,450 at 7.55%$52.35
7,450 at 7.56%$52.40
7,450 at 7.57%$52.45
7,450 at 7.58%$52.50
7,450 at 7.59%$52.55
7,450 at 7.6%$52.60
7,450 at 7.61%$52.65
7,450 at 7.62%$52.71
7,450 at 7.63%$52.76
7,450 at 7.64%$52.81
7,450 at 7.65%$52.86
7,450 at 7.66%$52.91
7,450 at 7.67%$52.96
7,450 at 7.68%$53.01
7,450 at 7.69%$53.06
7,450 at 7.7%$53.12
7,450 at 7.71%$53.17
7,450 at 7.72%$53.22
7,450 at 7.73%$53.27
7,450 at 7.74%$53.32
7,450 at 7.75%$53.37
7,450 at 7.76%$53.42
7,450 at 7.77%$53.48
7,450 at 7.78%$53.53
7,450 at 7.79%$53.58
7,450 at 7.8%$53.63
7,450 at 7.81%$53.68
7,450 at 7.82%$53.73
7,450 at 7.83%$53.79
7,450 at 7.84%$53.84
7,450 at 7.85%$53.89
7,450 at 7.86%$53.94
7,450 at 7.87%$53.99
7,450 at 7.88%$54.04
7,450 at 7.89%$54.10
7,450 at 7.9%$54.15
7,450 at 7.91%$54.20
7,450 at 7.92%$54.25
7,450 at 7.93%$54.30
7,450 at 7.94%$54.35
7,450 at 7.95%$54.41
7,450 at 7.96%$54.46
7,450 at 7.97%$54.51
7,450 at 7.98%$54.56
7,450 at 7.99%$54.61
7,450 at 8%$54.67
More Amounts
What is the down payment for a $7,450 house? How much do you need to put down?
Percent Down Down Payment
1%75
2%149
3%224
4%298
5%373
6%447
7%522
8%596
9%671
10%745
11%820
12%894
13%969
14%1,043
15%1,118
16%1,192
17%1,267
18%1,341
19%1,416
20%1,490
Percent Down Down Payment
21%1,565
22%1,639
23%1,714
24%1,788
25%1,863
26%1,937
27%2,012
28%2,086
29%2,161
30%2,235
31%2,310
32%2,384
33%2,459
34%2,533
35%2,608
36%2,682
37%2,757
38%2,831
39%2,906
40%2,980
Percent Down Down Payment
41%3,055
42%3,129
43%3,204
44%3,278
45%3,353
46%3,427
47%3,502
48%3,576
49%3,651
50%3,725
51%3,800
52%3,874
53%3,949
54%4,023
55%4,098
56%4,172
57%4,247
58%4,321
59%4,396
60%4,470
Percent Down Down Payment
61%4,545
62%4,619
63%4,694
64%4,768
65%4,843
66%4,917
67%4,992
68%5,066
69%5,141
70%5,215
71%5,290
72%5,364
73%5,439
74%5,513
75%5,588
76%5,662
77%5,737
78%5,811
79%5,886
80%5,960
Percent Down Down Payment
81%6,035
82%6,109
83%6,184
84%6,258
85%6,333
86%6,407
87%6,482
88%6,556
89%6,631
90%6,705
91%6,780
92%6,854
93%6,929
94%7,003
95%7,078
96%7,152
97%7,227
98%7,301
99%7,376
100%7,450
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.