Calculate mortgage payments, affordability, refinancing options, and amortization schedules.
Calculate your monthly mortgage payment including principal, interest, taxes, insurance, and PMI. See your full amortization schedule.
Find out how much house you can afford based on your income, debts, down payment, and current interest rates using the 28/36 rule.
See how much you could save by refinancing your mortgage. Compare monthly payments, total interest, and calculate your break-even point.
Generate a detailed amortization schedule showing how each mortgage payment splits between principal and interest over the life of your loan.
Calculate how much you need for a down payment on a house. See your loan amount and whether PMI will be required based on your percentage.
Calculate your home equity, loan-to-value ratio, and equity percentage. Understand how much of your home you truly own and how much borrowing power you have.
Calculate HELOC payments during the draw period and repayment period. See your maximum borrowing power based on home equity and 85% LTV limits.
Estimate total closing costs when buying a home. See a detailed breakdown of fees including origination, title insurance, escrow, and more.
Compare the true cost of renting versus buying a home over time. Factors in mortgage payments, appreciation, investment returns, taxes, insurance, and maintenance.
Calculate your FHA loan monthly payment including principal, interest, upfront MIP, annual MIP, property tax, and insurance. See the true cost of an FHA mortgage with all MIP fees.
Calculate your VA loan monthly payment with funding fee, zero down payment, and no PMI. Compare VA loan costs vs conventional mortgages and see your total savings.
Calculate your FHA mortgage payment including upfront MIP, annual MIP, property taxes, and insurance. See total loan costs and compare FHA vs conventional financing.
Calculate VA loan monthly payments including the VA funding fee, zero down payment options, and compare total costs against conventional mortgages with our free calculator.
Calculate how long it takes to break even on a mortgage refinance by comparing closing costs against monthly payment savings. See your true refinance timeline.
Our mortgage calculators help you make informed financial decisions. Each tool uses current rates and proven financial formulas to give you accurate, actionable results. Whether you're planning a major purchase, comparing options, or simply trying to understand your finances better, these free tools are here to help.
Mortgage calculations use your loan amount, interest rate, and term to compute monthly payments via the standard amortization formula. Property tax, homeowners insurance, and PMI are added to give you the true monthly cost. Extra payments reduce the principal faster, shortening the loan and saving on total interest paid.