Mortgage Calculators
30+ free tools — payments, affordability, refinance, FHA, VA, HELOC, and investment properties. No sign-up.
Payment & Amortization
5Mortgage Calculator
Monthly P&I, total interest, and full amortization schedule
Amortization Calculator
Full month-by-month principal/interest split table
Biweekly Mortgage Payment Calculator
How biweekly payments reduce your loan term and total interest
15 vs. 30 Year Mortgage Calculator
Compare payments, interest, and payoff on 15-yr vs. 30-yr loans
Early Mortgage Payoff Calculator
How extra monthly or lump-sum payments shorten your loan
Qualification & Affordability
5Mortgage Affordability Calculator
Max home price based on income, debts, and down payment
DTI Calculator
Front-end and back-end debt-to-income ratios
Mortgage Prequalification Calculator
Prequalification estimate based on income, credit, and debts
PMI Calculator
Private mortgage insurance cost and when you can drop it
Down Payment Savings Calculator
How long to save for a down payment and what it saves in PMI
Loan Types
5FHA Loan Calculator
FHA loan payments including MIP (upfront + annual)
FHA vs. Conventional Calculator
Total cost comparison over time — FHA vs. conventional
VA Mortgage Calculator
VA loan payments including the VA funding fee
ARM vs. Fixed Rate Calculator
Adjustable vs. fixed total costs over your hold period
Construction Loan Calculator
Interest-only draw period and permanent loan conversion
Refinancing
4Mortgage Refinance Calculator
Monthly savings, break-even point, and lifetime savings
Refinance Comparison Calculator
Compare current mortgage against up to 3 refinance scenarios
Mortgage Points Break-Even Calculator
Is buying points worth it based on your expected hold period?
APR Calculator
True annual percentage rate including fees, points, and costs
Home Equity
3HELOC Calculator
HELOC payments during draw and repayment periods
HELOC vs. Cash-Out Refinance Calculator
Compare HELOC and cash-out refi total costs for equity access
Home Equity Calculator
Available home equity and loan-to-value ratio
Buying & Investing
7Closing Costs Calculator
Total closing costs by state, loan type, and purchase price
Rent vs. Buy Calculator
Total cost of renting vs. buying over your expected time horizon
Rent to Mortgage Calculator
Monthly rent amount to equivalent mortgage buying power
Rental Property Calculator
Cap rate, cash-on-cash return, and NOI for an investment property
Investment Property Cash Flow Calculator
Monthly cash flow, vacancy, and annual return on investment property
Debt Impact Calculator
How existing debts affect your mortgage qualification
Property Tax Calculator
Annual property tax and PITI payment by state and assessed value