Mortgage Calculator Tools
Free, interactive mortgage micro-tools to help you make smarter decisions about your home loan. No sign-up required.
Amortization Schedule
Generate a full month-by-month amortization schedule with principal, interest, and balance. Export as CSV.
15 vs 30 Year Mortgage
Compare 15-year and 30-year mortgages side-by-side with equity building and opportunity cost analysis.
Debt-to-Income Calculator
Calculate your front-end and back-end DTI ratios. See if you qualify for conventional, FHA, VA, and USDA loans.
Down Payment Savings Calculator
Calculate how long to save for your down payment with a month-by-month savings plan.
Home Equity Calculator
Calculate your home equity, check if you can drop PMI, and see your HELOC borrowing power.
Total Cost of Homeownership
Calculate the true monthly cost of owning a home — beyond just the mortgage payment.
Biweekly Mortgage Calculator
See how biweekly payments save you thousands in interest and years off your mortgage.
ARM vs Fixed Calculator
Compare adjustable-rate and fixed-rate mortgages at different hold periods.
Refinance Breakeven Calculator
Find out how many months until refinancing pays for itself.
PMI Calculator
Calculate your monthly PMI cost and when it drops off.
Extra Payment Calculator
See how extra monthly payments shorten your loan and save interest.
How Much House Can I Afford?
Use the 28/36 rule to find your max purchase price.
FHA Loan Calculator
Calculate FHA mortgage insurance, down payment, and monthly payments.
VA Loan Calculator
Calculate VA funding fee, zero-down payment, and compare to conventional.
Rent vs Buy Calculator
Compare the total cost of renting vs buying over 5-30 years. Net worth comparison, breakeven year, and clear verdict.
HELOC Calculator
Estimate your HELOC borrowing power, monthly payments during draw and repayment, and compare to cash-out refi.
Mortgage Points Calculator
Should you buy mortgage points? See the cost, monthly savings, breakeven month, and total savings.
Closing Cost by State Calculator
Estimate closing costs by state with line-item detail and a 50-state comparison. Transfer tax, title insurance, attorney fees, recording fees — every fee explained.
Property Tax by State Calculator
Calculate annual and monthly property taxes by state with homestead, senior, and veteran exemption savings. Compare effective tax rates across all 50 states.
Down Payment Assistance by State
Find state DPA programs you may qualify for with eligibility checks, max grant amounts, and a 50-state comparison. Stacks with FHA, VA, USDA, and conventional loans.