Complete suite of mortgage tools for home buyers, homeowners, and refinancers. Calculate payments, understand affordability, and plan your home financing strategy.
Calculate monthly payments including principal, interest, taxes, and insurance with full amortization schedule.
Determine how much house you can afford based on income, debts, and down payment using the 28/36 rule.
Compare current vs. new loan to see monthly savings, break-even point, and total interest saved.
30-year comparison of renting vs. buying with appreciation, investment returns, and opportunity costs.
See how lump sum or recurring extra payments reduce your loan term and save thousands in interest.
Whether you're buying your first home, refinancing an existing mortgage, or deciding between renting and buying, these calculators help you make informed decisions with accurate financial projections.
Start with the right tool for your situation:
All calculations use industry-standard formulas based on compound interest, amortization schedules, and debt-to-income ratios. Results are estimates for planning purposes—always verify final numbers with your lender.
Our calculators use the same formulas lenders use to calculate monthly payments and amortization. However, actual rates, fees, and terms vary by lender. Always get a formal Loan Estimate from your lender before making final decisions.
Our Affordability Calculator shows what you can realistically afford based on standard debt-to-income ratios (typically 28/36 rule). Pre-qualification is when a lender reviews your actual finances and credit to determine what they'll lend you. Use our calculator first to set realistic expectations.
15-year mortgages have higher monthly payments but significantly lower total interest costs. 30-year mortgages offer lower monthly payments and more financial flexibility. Use the Mortgage Calculator to compare both options with your numbers, then consider your income stability and long-term plans.
Generally, refinancing makes sense when you can lower your interest rate by at least 0.75-1%, plan to stay in the home past the break-even point, and the closing costs don't outweigh the savings. Use our Refinance Calculator to see your specific break-even timeline.
No. All calculations happen in your browser using JavaScript. We don't collect, store, or transmit your mortgage details. Your financial data stays private and secure on your device.