FreeByte

Cosigner exposure calculator

What you are on the hook for.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
8%

Your exposure

$24,332

Monthly liability

$405.53

With these inputs, your exposure comes to $24,332 over 5 years. Monthly liability works out to $405.53. The result assumes rate stays at 8%.

Added to your DTI
$405.53

Over time · by term

What moves the number · Your exposure

Input−10%Now+10%
Loan amount$21,899$24,332$26,765
Rate$23,875$24,332$24,794
Term$23,881$24,332$24,787

Solve for an input

Whatmakesequal

Compare scenarios

Save this set of inputs, change something, then save again to compare the outcomes side by side.

What you are on the hook for.

A worked example

Starting figures

Loan amount
$20,000
Rate
8%
Term
5

What it returns

Your exposure
$24,332
Monthly liability
$405.53
Added to your DTI
$405.53

How to read the results

With the defaults above, your exposure works out at $24,332.

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