Start with your home-buying journey
Most popular calculators
Mortgage Payment Calculator
Your true monthly payment with taxes, insurance & PMI.
Amortization Calculator
Every payment, principal vs interest, to payoff day.
Mortgage Payoff Calculator
Extra payments, lump sums, years and interest saved.
Home Affordability Calculator
How much house your income can really carry.
Refinance Calculator
Break-even and lifetime savings, honestly totaled.
VA Mortgage Calculator
VA payments with the funding fee included.
FHA Mortgage Calculator
FHA payments with upfront & annual MIP included.
Closing Cost Calculator
Every fee, prepaid and escrow item, estimated.
PMI Calculator
PMI cost and the exact month it can end.
30-Year Fixed Mortgage Calculator
America's default loan, priced at every rate.
Calculator with Extra Payments
Extra principal baked into the full schedule.
UK Mortgage Calculator
UK repayments in £, with council tax included.
Mortgage calculator by state
Property taxes swing a payment by $1,000+ a month between states. Every state page is pre-loaded with its real tax rate, typical insurance and median home price — start with the big ones or browse all 50 states + DC.
Mortgage payment by loan amount
Already know your loan size? Jump straight to its payment table — every rate, every term, total interest included.
Why another mortgage calculator site?
Because most mortgage calculators online are lead-generation forms wearing a calculator costume: they show you principal and interest only (making homes look a quarter cheaper than they are), then sell your phone number to lenders. Zorvex works differently. Every tool here includes the costs others hide — property taxes, homeowners insurance, PMI, FHA mortgage insurance, the VA funding fee — explains its formula in plain English, and runs entirely in your browser. We never see, store or sell a single number you type.
What you can do here
- Price any home with the full PITI payment, not a teaser number.
- Plan the purchase — affordability by income, pre-approval estimates, down-payment goals, closing-cost budgets.
- Understand the loan — full amortization schedules, lifetime interest totals, PMI removal dates.
- Optimize ownership — early-payoff strategies, biweekly plans, refinance break-evens, points analysis.
- Compare like a pro — two lender offers ranked by total cost, APRs derived transparently, ARM worst cases exposed.
Learn before you borrow
Our guides cover the decisions calculators cannot make for you: how mortgage rates work, how to calculate a payment by hand, which loan type fits, the first-time buyer roadmap, and an honest comparison of the big calculator sites. Start anywhere — every page links you to the next useful step.
From the blog
Payments & CostsWhat Is the Average Mortgage Payment in the US?
The average US mortgage payment depends on home price, rate, taxes and insurance. See what drives it, how stat…
Payments & CostsHow Much Is a $300,000 Mortgage Per Month?
A $300,000 mortgage at an illustrative 6.5% over 30 years costs $1,896 a month for principal and interest. See…
Payments & CostsHow Much Is a $500,000 Mortgage Per Month?
A $500,000 mortgage at an illustrative 6.5% over 30 years costs $3,160 a month in principal and interest, with…
Payments & CostsWhat Does a $2,000 Monthly Mortgage Payment Buy?
A $2,000 monthly budget buys very different homes depending on your rate and local taxes. See the loan sizes i…
Payments & CostsWhat Is a Good Mortgage Rate? How to Judge a Quote
A good mortgage rate is relative to national survey averages, your credit tier and the points you pay. Learn h…
Payments & CostsHow Are Mortgage Rates Determined?
Mortgage rates follow bond markets, the 10-year Treasury and mortgage-backed securities — then get adjusted fo…