pɹˈaɪɚ tə ðə wˈaɪd ɐvˌeɪləbˈɪlᵻɾi ʌv mˈɔːɹɡɪdʒ kˈælkjʊlˌeɪɾɚz, ðoʊz wˈɪʃɪŋ tʊ ˌʌndɚstˈænd ðə faɪnˈænʃəl ˌɪmplɪkˈeɪʃənz ʌv tʃˈeɪndʒᵻz tə ðə fˈaɪv mˈeɪn vˈɛɹɪəbəlz ɪn ɐ mˈɔːɹɡɪdʒ tɹænsˈækʃən wɜː fˈoːɹst tə jˈuːz kˈɑːmpaʊnd ˈɪntɹɛst ɹˈeɪt tˈeɪbəlz.
Prior to the wide availability of mortgage calculators, those wishing to understand the financial implications of changes to the five main variables in a mortgage transaction were forced to use compound interest rate tables.