Free Mortgage Calculators & Tools
Six free calculators. No sign-up, no email, no sales call. Plug in your numbers and get answers in plain English.
Mortgage Payment CalculatorYour full monthly payment: principal, interest, tax, insurance, PMI.Affordability CalculatorHow much house your income can really handle.Refinance Break-EvenHow many months until a refi pays for itself.Extra Payment CalculatorSee years and interest you save by paying a bit more.Closing Cost EstimatorHow much cash to bring on closing day.Rent vs BuyShould you keep renting or buy? Run the numbers.
How to use these tools (the smart way)
Start with the affordability calculator to find a price range that fits your budget. Then use the mortgage payment calculator to see the real monthly cost of a specific home, and the closing cost estimator to know how much cash you need on closing day.
Already own a home? The refinance break-even calculator shows whether a new loan actually saves money, and the extra payment calculator shows how fast a little extra each month can kill your loan.
Fun factOn a typical 30-year loan, your first payments are mostly interest. That is why even small extra payments early on can save a surprising amount.
All results are estimates for learning. Your actual rate, fees and payment come from a lender’s official Loan Estimate.