Mortgage Calculators & Tools

Mortgage Calculator

Calculate monthly mortgage payments with principal, interest, taxes, insurance (PITI). Compare loan terms and amortization.

Mortgage Affordability Calculator

Find out how much house you can afford based on income, down payment, debts, and DTI ratio guidelines.

Refinance Calculator

Calculate new monthly payment, total savings, and break-even point when refinancing your mortgage.

Refinance Break-Even Calculator

Find the exact month you break even on refinance closing costs through monthly savings. Make data-driven refi decisions.

Biweekly Mortgage Payoff Calculator

See how biweekly payments shave years off your mortgage and save thousands in interest. Compare to monthly.

ARM vs Fixed Mortgage Calculator

Compare adjustable-rate vs fixed-rate mortgages side by side. See total interest under different rate scenarios.

Mortgage Overpayment Calculator

See how extra monthly payments cut your mortgage term and total interest paid. Try different overpayment amounts.

Mortgage Points Break-Even Calculator

Decide whether to buy discount points. See exact break-even month based on point cost vs monthly payment savings.

Mortgage Recast Calculator

Calculate new payments after a lump-sum principal reduction and mortgage recast. Lower monthly payment without refi.

Reverse Mortgage Calculator

Estimate reverse mortgage proceeds, fees, and remaining equity for homeowners 62+. HECM-based estimates.

HELOC Payment Calculator

Calculate Home Equity Line of Credit payments during draw and repayment periods. Compare interest-only vs amortized.

Home Equity Calculator

Calculate current home equity, available HELOC capacity, and CLTV ratio based on home value and mortgage balance.

Home Loan Calculator

Estimate monthly payments, total interest, and amortization schedule for any home loan amount and term.

Loan-to-Value (LTV) Calculator

Calculate LTV ratio to determine PMI requirements, refinance eligibility, and equity position.

PMI Removal Calculator

Find out when you can request PMI removal based on home value appreciation and principal paydown. Save thousands.

Closing Cost Estimator

Estimate closing costs for buyers and sellers — origination fees, title insurance, prepaid items, escrow, taxes.

Down Payment Savings Calculator

Plan how long it'll take to save for a down payment based on income, savings rate, and target home price.

House Affordability Calculator

Calculate maximum home price using 28/36 DTI rule, income, debts, down payment, and current mortgage rates.

Rent vs Buy Calculator

Compare total cost of renting vs buying over 5/10/30 years. Includes appreciation, opportunity cost, taxes, and fees.

Stamp Duty Estimator

Estimate stamp duty / transfer tax on home purchases. UK SDLT, AU stamp duty, plus US transfer tax states.

HELOC vs Cash-Out Refinance Calculator

Compare HELOC and cash-out refinance side-by-side: monthly payments, total interest, and which saves more money.

Cash-Out Refinance Calculator

Calculate cash-out refinance payments, break-even point, and total cost vs. current mortgage. LTV check included.

Interest-Only Mortgage Calculator 2026

Compare interest-only vs fully amortizing payments, see payment shock at IO period end, total interest cost, and year-by-year schedule.

Refinance Savings Calculator

Calculate total savings from refinancing — compare current vs new loan terms, closing costs, and break-even month.

Mortgage Early Payoff Calculator

See how extra payments accelerate payoff, save interest, and shave years off your mortgage. One-time and monthly extras.

Prepayment Penalty Calculator

Calculate if paying your mortgage prepayment penalty is worth it. See penalty cost, interest savings, break-even month, and net savings.

Jumbo Loan Qualifier 2026

Check if your home purchase requires a jumbo loan. Compare 2026 FHFA conforming limits, estimate rate premium, DTI, and qualification.

FHA 203(k) Renovation Loan Calculator

Calculate your FHA 203(k) combined purchase-and-renovation loan: total amount, monthly payment with MIP, contingency reserve, upfront costs, and instant equity created.

FHA vs Conventional Loan Comparison

Compare FHA and conventional loans side by side — MIP vs PMI costs, monthly payments, and total loan cost to find the cheaper option.

USDA Loan Eligibility Calculator

Check USDA rural development loan eligibility. Verify 2026 income limits, estimate monthly payments with guarantee fee.

Home Improvement Loan Calculator

Compare home equity loan, personal loan, and HELOC for renovations. See rates, payments, and total cost side by side.

Seller Net Sheet Calculator

Calculate estimated net proceeds from selling your home after commissions, closing costs, mortgage payoff, and taxes.

Biweekly vs Monthly Mortgage Calculator

Compare biweekly and monthly payment schedules. See how biweekly saves years of interest and accelerates payoff.

Down Payment Calculator

Calculate down payment amount by loan type, compare PMI impact at different percentages, and plan your savings timeline.

Mortgage Recast vs Refinance Comparison

Compare recasting and refinancing side by side. See costs, monthly savings, and which option saves more over your loan term.

Seller Concession Calculator 2026

Calculate maximum seller concessions by loan type — Conventional, FHA, VA, USDA. See how concessions reduce your closing costs.

Title Insurance Cost Calculator

Estimate lender and owner title insurance premiums by state. See simultaneous issue discounts and total title closing costs.

Down Payment by State Calculator

Estimate typical down payment by US state with 2026 median home prices, conventional/FHA/VA loan options, and PMI impact.

2-1 Mortgage Rate Buydown Calculator

Calculate seller-paid temporary buydown costs vs monthly payment savings in years 1-2. See break-even and total interest impact.

No-Closing-Cost Refinance Calculator

Compare lender-credit no-closing-cost refi to traditional refi. See higher rate vs upfront-cost trade-off and break-even month.

Refinance vs Loan Modification Comparison

Compare refinancing vs loan modification side-by-side. See credit impact, costs, payment savings, and qualification thresholds.

Escrow Account Calculator

Estimate your monthly escrow payment for property taxes, homeowners insurance, flood insurance, and HOA fees. RESPA-compliant cushion included.

Bridge Loan Cost Calculator (US 2026)

Calculate total bridge loan cost — monthly carry, interest, origination + exit fees, and net cost on home sale. Includes HELOC comparison at 2026 rates.

PMI vs FHA MIP Comparison Calculator 2026

Compare conventional PMI vs FHA MIP costs side-by-side over 30 years. PMI auto-cancel at 78% LTV vs FHA full-term MIP. Fannie/Freddie matrix + HUD Mortgagee Letter rates.

15 vs 30 Year Mortgage Calculator

Compare 15-year and 30-year mortgage options side by side. See monthly payment difference, total interest saved, and break-even point.

Mortgage Rate Lock Calculator

Decide whether to lock or float your mortgage rate. Compare lock periods (30–90 days), see break-even analysis, rate lock fee costs, and all rate-change scenarios.

Mortgage APR Calculator

Calculate true mortgage APR including closing costs, points, and fees. Compare advertised rate vs actual APR to find the best deal.

PMI Calculator

Calculate private mortgage insurance cost by credit score, see when PMI drops off, and compare monthly payments with and without PMI.

PITI Calculator

Calculate your full monthly PITI payment — Principal, Interest, Taxes, Insurance, HOA, and PMI — with a 28% rule affordability check.

Construction Loan Calculator

Calculate interest-only payments during construction, draw schedule costs by phase, and permanent mortgage payment after conversion.

Mortgage Assumption Calculator

Calculate savings from assuming a seller's existing mortgage. Compare assumed vs new loan payments, monthly savings, and total interest saved at today's rates.

Seller Financing Calculator

Calculate payments, balloon amounts, and amortization schedules for owner-financed real estate deals. Compare seller financing vs bank mortgage costs.

Finance Calculators

Investments, retirement, budgeting, debt, savings, and 50+ personal finance tools.

Insurance Calculators

Home, life, health, auto, and pet insurance estimators.

Tax Calculators

Federal, state, payroll, capital gains, self-employment, and quarterly tax tools.

Housing & Real Estate

Rental yield, BRRRR, fix-and-flip, cap rate, and investment property tools.

Balloon Mortgage Calculator

Calculate balloon mortgage monthly payment plus final balloon amount due. 5/7-year vs 30-year fixed.

3-2-1 Buydown Calculator

Calculate temporary 3-year rate buydown cost, year-by-year savings, and break-even.

ARM Payment Shock Calculator

Project worst-case ARM payment shock at first adjustment, lifetime cap, and rate floor. Models 5/1, 7/1, 10/1 ARMs with periodic and lifetime caps. Free.

ARM Rate Reset Calculator

Calculate your ARM payment shock when the fixed period ends. See your new monthly payment after rate adjustment, plus payment caps and lifetime cap. Free.

Asset Depletion Mortgage Calculator

Calculate asset depletion qualifying income for a retiree mortgage. Free non-QM loan calculator using liquid assets to qualify without W-2 income — 2026 rates.

Bank Statement Loan Calculator

Calculate qualifying income, monthly payment, and rate premium for a bank statement mortgage. Free non-QM loan calculator for self-employed borrowers — 2026 rates.

Closing Disclosure Calculator

Calculate cash-to-close from your TRID Closing Disclosure with lender fees, third-party fees, prepaids, escrows, and seller credits. Free, private, 3-day rule tracker.

Condo Loan Warrantability Checker

Check if a condo project qualifies for FHA, VA, or Fannie Mae warrantable financing. Tests owner-occupancy, single-entity ownership, HOA reserves, litigation, insurance, and 2026 lender rules.

Conventional PMI Removal Calculator

Calculate when you can request, automatically end, or refinance away conventional mortgage PMI. Free 2026 calculator using HPA 78% / 80% rules and current home value.

Discount Points Cost Calculator

Calculate the true cost of mortgage discount points. See lifetime savings, break-even month, and whether buying points beats putting cash elsewhere. Free, private.

Mortgage Discount Points ROI Calculator

Calculate the true return on investment for buying mortgage discount points. See break-even month, lifetime savings, and annualized ROI with 2026 rates. Free and private.

DSCR Loan Calculator

Calculate DSCR (debt service coverage ratio) for rental property investor loans. 1.0/1.25 thresholds, max loan from rent, no-income-doc qualification. Free, instant.

Debt-to-Income (DTI) Calculator

Calculate your debt-to-income ratio for mortgage qualification. Front-end and back-end DTI, max loan amount, and lender thresholds. Free and private.

Escrow Shortage Calculator

Calculate your mortgage escrow shortage and the payment increase next year. See lump-sum vs spread-out repayment options. Free, private, RESPA-compliant logic.

Extra Principal Payment Savings Calculator

See how extra monthly principal payments on your mortgage save interest and shorten loan term. Compare scenarios. Free, instant, private mortgage calculator.

FHA Loan Calculator

Calculate FHA loan monthly payment with UFMIP (1.75%) and annual MIP. See total cost, eligibility, and FHA vs conventional savings. Free, private, instant.

FHA Loan Limit by County 2026 Calculator

Check 2026 FHA loan limits by county — floor ($524,225), ceiling ($1,209,750), and special exception areas. Determine your maximum FHA mortgage. Free and private.

FHA MIP Removal Calculator

Find out exactly when you can remove FHA mortgage insurance (MIP). Check eligibility, refinance break-even, and savings vs conventional refi. Free 2026 tool.

FHA Streamline Refinance Calculator

Calculate FHA Streamline refinance savings, net tangible benefit, MIP refund, and break-even. Free FHA streamline calculator — no signup, no income docs.

HELOC Amortization Schedule Calculator

Free HELOC amortization schedule calculator. See month-by-month payments across the draw period (interest-only) and repayment phase (principal + interest). 2026 rates.

HELOC Draw Period Payment Calculator

Calculate HELOC payments during the 10-year draw period and 15-20 year repayment phase. See payment shock when interest-only ends. Free, private, 2026 rates.

HELOC Fixed vs Variable Rate Comparison

Compare HELOC fixed-rate lock vs variable-rate (prime + margin) options. See total interest under different rate scenarios. Decide if locking saves money. Free.

HELOC Tax Deduction Calculator (2026 IRS Pub 936)

Calculate how much HELOC interest is tax-deductible under IRS Pub 936 rules. Free, private, 2026 limits. Acquisition vs equity debt split.

HOA Fee Mortgage Impact Calculator

See how HOA fees reduce your mortgage qualifying power. Calculates affordability cut by HOA dues using lender DTI ratio rules. Free, private, no sign-up.

Home Equity Loan vs HELOC Comparison Calculator

Compare fixed-rate home equity loan vs variable HELOC: monthly payments, total interest, and which saves more. Free, private, 2026 rates.

Investment Property Mortgage Calculator

Calculate investment property mortgage payment, monthly cash flow, cap rate, cash-on-cash return, and DSCR. Free rental property analyzer — no signup.

Piggyback Loan vs PMI Comparison Calculator

Compare 80/10/10 piggyback loan vs PMI on a single mortgage. See total monthly cost, lifetime interest, and break-even point with 2026 rates. Free and private.

Jumbo vs Conventional Mortgage Calculator

Compare jumbo and conventional loan payments, rates, and qualification rules. See if you need a jumbo loan based on FHFA 2026 conforming loan limits. Free.

Minimum Income for Mortgage Calculator

See exactly how much income you need to qualify for a $300K, $500K, $750K mortgage. Uses CFPB and Fannie Mae DTI rules. Free, private, no sign-up.

Mortgage Amortization Schedule — Printable

Generate a full mortgage amortization schedule with monthly principal, interest, and balance breakdown. Print-ready, exportable to CSV. Free and private.

Mortgage Application Cost Calculator

Estimate total mortgage application costs: appraisal, credit pull, origination, title, recording, prepaids. CFPB Loan Estimate breakdown by loan amount. Free.

Mortgage Credit Certificate (MCC) Calculator

Calculate annual federal tax credit from an MCC program for first-time homebuyers. State-issued MCC rate, mortgage interest, and credit cap. Free.

Mortgage Credit Score Rate Impact Calculator

See how your FICO credit score changes your mortgage rate and lifetime interest. Compare 5 FICO bands side-by-side. Free, private, no sign-up required.

Mortgage Lender Comparison Calculator

Compare up to 3 mortgage lender quotes side-by-side. Calculate APR, total cost, monthly payment, and lifetime savings to pick the best loan offer. Free and private.

Mortgage Payoff Date Calculator

Calculate your exact mortgage payoff date, total interest, and how much faster extra payments pay off your loan. Free, private, and instant. 2026 rates.

Mortgage Payoff vs Invest Calculator 2026

Compare paying off your mortgage early vs investing the same money in the stock market or 401(k). Tax-adjusted, factoring in mortgage interest deduction. Free and private.

Mortgage PMI Monthly Rate Calculator

Calculate exact monthly PMI cost based on LTV, FICO, and loan amount. See how fast you reach 80% LTV to drop PMI. Free, private, no sign-up.

Mortgage Prequalification Calculator

See how much mortgage you prequalify for based on income, debts, credit, and down payment. Front/back DTI ratios, conventional/FHA/VA limits. Free, instant, private.

Piggyback Loan Calculator

Calculate a piggyback 80/10/10 or 80/15/5 loan: first mortgage, HELOC, monthly payments, and PMI savings. Free and private — no signup needed.

PMI Monthly Cost Calculator

Estimate monthly PMI on a conventional mortgage by LTV and credit score. 2026 MGIC/Genworth/Radian rate cards. See annual cost + when PMI cancels at 78% LTV. Free.

Preapproval vs Prequalification — Mortgage Comparison

Compare mortgage preapproval vs prequalification side-by-side. Documents needed, credit pull type, lender weight, timeline, and which one to get first. Free.

Reverse Mortgage Line of Credit Calculator

Estimate your HECM reverse mortgage line of credit. See available principal limit, growth rate, and lifetime borrowing power based on FHA 2026 rules.

Second Mortgage Calculator

Calculate second mortgage payments, total interest, and combined CLTV. Compare home equity loan vs HELOC vs cash-out refi. Based on 2026 lender guidelines.

USDA Guarantee Fee Calculator 2026

Calculate USDA Single Family Housing Guarantee fee — 1.00% upfront + 0.35% annual on a USDA Rural Development loan. See monthly cost and lifetime fee total with 2026 rates.

VA IRRRL Calculator (VA Streamline Refinance)

Calculate VA IRRRL streamline refinance savings, funding fee, and break-even. Free VA IRRRL calculator for veterans — no signup, no income docs needed.

VA Loan Entitlement Calculator

Calculate VA loan entitlement, remaining bonus entitlement, and second-tier eligibility. 2026 VA loan limits by county included. Free and private.

Mortgage Points Break Even 2026 Calculator

Free 2026 mortgage points vs no-points break-even calculator. Compare rate with discount points to no-points loan. Private, no sign-up needed.

HELOC vs 401k Loan 2026 Comparison Calculator

Free 2026 HELOC vs 401k loan comparison. See total HELOC cost vs 401k loan cost incl. opportunity cost of lost market growth. Private, no sign-up.

ARM Margin Index Rate 2026 Comparison Calculator

Free 2026 ARM margin and Treasury index rate comparison. See rate at each adjustment, max payment under caps, worst-case scenario. Private, no sign-up.

HECM Reverse Mortgage Payout Options 2026 Calculator

Free 2026 HECM payout calculator. Compare tenure (lifetime), term (10/15/20yr), and line-of-credit options under HUD rules. Private, no sign-up.

Bank Statement Loan 2026 Self-Employed Qualifier

Free 2026 bank statement loan qualifier for self-employed. Enter 12 or 24 month deposits, expense ratio, credit score. Get income, max loan, rate. Private.

Mortgage Credit Certificate MCC 2026 Calculator

Free 2026 Mortgage Credit Certificate (MCC) tax credit calculator. Enter loan, rate, MCC %, state. Get annual credit and lifetime tax savings. Private.

Non-Occupant Co-Borrower Mortgage 2026 DTI Calculator

Free 2026 non-occupant co-borrower mortgage DTI calculator. Blend occupant + co-borrower income, debts. See FHA vs conventional eligibility. Private.

DSCR Loan Airbnb 2026 Qualifier Calculator

Free 2026 DSCR loan qualifier for Airbnb / short-term rentals. Enter STR income, PITI, vacancy, mgmt fee. Get DSCR ratio, max loan, 1.0/1.1/1.25 tier.

VA Funding Fee vs PMI Calculator 2026

Compare free 2026 VA loan funding fee (1.25-3.3%) against conventional PMI over 7 years. Private, runs in your browser, no sign-up needed.

Down Payment Gift Tax 2026 Calculator

Free 2026 down payment gift tax calculator. Check IRS annual exclusion, Form 709, and Fannie Mae gift letter rules. Private, instant.

Loan Estimate Tolerance Check 2026

Free private loan estimate tolerance check — compare LE vs CD fees, bucket each into zero / 10% / unlimited TRID tolerance, see RESPA refund owed.