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Mortgage calculators from affordability through payoff.
Housing decisions work best in sequence. Start with a total monthly budget, estimate upfront cash, compare loan structures, and revisit the plan when equity or rates change.
1. Define the budget and upfront cash
Home Affordability CalculatorEstimate an affordable home price from income, debts, down payment, rate, term, taxes, insurance, and a housing ratio.Down Payment CalculatorCalculate down payment dollars, loan amount, and remaining cash goal from a home price and target percentage.Closing Cost CalculatorEstimate buyer closing costs from home price, lender fees, third-party costs, prepaid items, and credits.Rent vs Buy CalculatorCompare renting and buying by year with rent growth, home appreciation, selling costs, remaining mortgage debt and discounted cash flows.
2. Compare mortgage structures
Mortgage CalculatorMonthly payment and total interest estimates.Mortgage Amortization CalculatorExplore dated monthly or yearly mortgage schedules, extra monthly and annual principal, and two lump-sum payments. Export the full schedule.15 vs 30 Year Mortgage CalculatorCompare monthly payments and total interest for 15-year and 30-year mortgages with separate rates.Mortgage Points Break-Even CalculatorEstimate the upfront cost and monthly break-even period for mortgage discount points.
3. Track equity and payoff options
Home Equity CalculatorEstimate home equity, loan-to-value ratio, and available equity from property value and secured debt.PMI Removal CalculatorEstimate when a mortgage balance may reach a selected loan-to-value threshold for PMI removal planning.Mortgage Extra Payment CalculatorEstimate mortgage interest and time saved by adding a recurring extra principal payment.Refinance CalculatorEstimate mortgage refinance break-even timing and total interest savings after closing costs.
Property taxes, insurance, HOA dues, lender pricing, appraisal rules, and local transaction costs can materially change every estimate.