All Mortgage Calculators
27 free tools, each built for one job and explained in plain English. Everything runs in your browser — nothing is stored or shared.
Plan your purchase
Home Affordability Calculator
How much house your income can really carry.
Pre-Approval Calculator
Estimate your lender approval amount by DTI.
House Price Calculator
Start from a monthly budget, get a home price.
Down Payment Calculator
How much down, and when you will get there.
Closing Cost Calculator
Every fee, prepaid and escrow item, estimated.
Rent vs Buy Calculator
Net cost of renting vs buying over your stay.
Price the loan
Mortgage Payment Calculator
Your true monthly payment with taxes, insurance & PMI.
Amortization Calculator
Every payment, principal vs interest, to payoff day.
Mortgage Comparison Calculator
Two offers, one winner — on total cost.
PMI Calculator
PMI cost and the exact month it can end.
Calculator with Taxes & Insurance
The full PITI number your lender collects.
Mortgage APR Calculator
Fees and points converted into a true APR.
Mortgage Interest Calculator
Lifetime interest — the loan's real price tag.
Mortgage Points Calculator
Do points pay? Find your break-even month.
30-Year Fixed Mortgage Calculator
America's default loan, priced at every rate.
Calculator with Extra Payments
Extra principal baked into the full schedule.
Mortgage Repayment Calculator
Capital & interest repayments, fully explained.
Loan programs
Reverse Mortgage Calculator
HECM proceeds estimate for homeowners 62+.
VA Mortgage Calculator
VA payments with the funding fee included.
FHA Mortgage Calculator
FHA payments with upfront & annual MIP included.
USDA Mortgage Calculator
Zero-down rural loan payments with guarantee fees.
Jumbo Mortgage Calculator
Payments and rules above the conforming limit.
Commercial Mortgage Calculator
Commercial payments and balloon balances.
UK Mortgage Calculator
UK repayments in £, with council tax included.
Structures & strategies
Interest-Only Calculator
The IO payment — and the jump after it.
Biweekly Mortgage Calculator
The 13th-payment trick, savings quantified.
15 vs 30 Year Calculator
Payment pain vs interest saved, side by side.
ARM Calculator
ARM payments: expected and worst case.
HELOC Calculator
Draw-period and repayment-period payments.
Own smarter
Mortgage Payoff Calculator
Extra payments, lump sums, years and interest saved.
Refinance Calculator
Break-even and lifetime savings, honestly totaled.
By state
Calculators pre-loaded with each state's property tax rate, typical insurance and median price.
By loan term
Exact payments for 10, 15, 20, 30 and 40 year terms — and what each choice does to total interest.
By loan amount
Exact payment tables for loan amounts from $100,000 to $1,500,000.