Mortgages & Home

Run the numbers on a home: mortgage payments, refinancing, points, PMI, affordability, closing costs, HELOCs, and rental property returns.

29 free mortgages & home tools, no signup.

• 15 vs 30 Year Mortgage CalculatorCompare a 15-year and a 30-year mortgage side by side. See the monthly payment, total interest, and how much interest you save with the shorter term.
• ARM Mortgage CalculatorCalculate an adjustable-rate mortgage payment before and after the rate adjusts. See your initial payment, the new payment once the fixed period ends, and the increase. Free and accurate.
• Balloon Loan CalculatorCalculate the low monthly payment and the large balloon balance due at the end of a balloon loan that is amortized over a longer term.
• Biweekly Mortgage CalculatorSee how biweekly mortgage payments shorten your loan and reduce total interest compared with a standard monthly schedule.
• BRRRR CalculatorAnalyze a BRRRR rental deal: cash left in the deal, new equity, and monthly cash flow after refinance.
• Cap Rate CalculatorCalculate the capitalization rate of an investment property from its net operating income and value, or find the implied property value from a target cap rate.
• Closing Cost CalculatorEstimate total mortgage closing costs from lender fees, third-party fees, discount points, and prepaid items, and see them as a percentage of the price.
• Down Payment CalculatorCalculate your home down payment and remaining loan amount from the home price and down payment percent. Free and accurate.
• DSCR CalculatorCalculate the debt service coverage ratio from net operating income and annual debt service, with a clear rating. Free and accurate.
• FHA Loan CalculatorEstimate your FHA loan payment with upfront and monthly mortgage insurance premiums included. Free and based on documented 2024 MIP rates.
• HELOC CalculatorCalculate your interest-only payment during a HELOC draw period and your fully amortizing payment once repayment begins. Free and accurate.
• Home Equity Loan CalculatorCalculate how much equity you can borrow at a given loan-to-value limit and the fixed monthly payment, total interest, and total cost of a home equity loan.
• House Affordability CalculatorEstimate how much house you can afford using the 28/36 DTI rule from your income, debts, down payment, rate, and term. Free and accurate.
• Interest-Only Mortgage CalculatorSee your low interest-only mortgage payment during the initial period, then the jump to a higher payment when principal repayment begins. Free and accurate.
• Jumbo Loan CalculatorEstimate the monthly payment and total interest on a jumbo mortgage above the conforming loan limit. Enter the amount, rate, and term.
• LTV CalculatorCalculate loan to value and combined LTV ratios and see whether PMI is likely. Free and accurate.
• Mortgage Amortization CalculatorCalculate your monthly mortgage payment, total interest, and total cost from the loan amount, rate, and term in years. Free and accurate.
• Mortgage CalculatorEstimate your full monthly mortgage payment, PITI (principal, interest, property tax, and insurance) plus HOA dues, from the home price, down payment, rate, and term. Free and accurate.
• Mortgage Payoff CalculatorSee how extra monthly payments shorten your mortgage and cut total interest. Enter your balance, rate, remaining term, and extra payment to find your new payoff date and savings.
• Mortgage Points CalculatorSee whether buying mortgage points pays off. Compare the monthly payment with and without points, the upfront cost, and the break-even point in months.
• Mortgage Refinance CalculatorSee your new monthly payment, monthly savings, and how many months it takes to break even on closing costs when you refinance your mortgage. Free and accurate.
• Mortgage Required Income CalculatorFind the income needed to qualify for a mortgage payment using the 28% front-end and 36% back-end debt-to-income limits.
• PITI CalculatorCalculate your full monthly mortgage payment including principal, interest, property taxes, insurance, and HOA dues.
• PMI CalculatorEstimate monthly private mortgage insurance and find when your balance reaches the 80% and 78% loan-to-value points where PMI can be removed.
• Refinance Break-Even CalculatorFind out how many months until your refinance savings cover the closing costs. Enter your current and new payment plus closing costs to see the break-even point.
• Rent Affordability CalculatorSee how much rent you can afford from your income using the 30% and 3x rent rules. Free and accurate.
• Rent vs Buy CalculatorCompare renting against buying by pitting your monthly rent against the mortgage payment on a home. Free and fast.
• Rental Property CalculatorAnalyze a rental property with monthly cash flow, cap rate, and cash-on-cash return from the price, financing, rent, expenses, and vacancy.
• VA Loan CalculatorEstimate your VA loan payment with the funding fee financed in and no monthly mortgage insurance. Free and based on documented 2024 rates.