Mortgage Calculators
Free mortgage calculators for payments, affordability, refinancing, and amortization. Plain English results.
24 free tools
Mortgage Payment Calculator
Enter price, down payment, rate, and term. Get monthly payment with amortization table.
How Much House Can I Afford
Enter income and debts. Get max home price using the 28/36 rule.
Amortization Schedule
Full payment-by-payment table showing principal and interest split.
Refinance Calculator
Compare current vs new loan terms. See savings and break-even month.
Rent vs Buy Calculator
Compare renting vs buying with break-even timeline and total cost analysis.
Extra Payment Calculator
See how extra payments shorten your loan and save interest.
Biweekly Mortgage Calculator
Savings from biweekly vs monthly payments.
Down Payment Calculator
Home price to required down payment at various percentages plus PMI estimate.
ARM vs Fixed Rate
Compare adjustable vs fixed rate mortgages with rate scenarios.
PMI Calculator
Calculate monthly PMI cost and when it drops off.
Debt-to-Income Ratio
Calculate your DTI ratio and what it means for loan approval.
HELOC Payment Calculator
Estimate payments on a home equity line of credit.
Mortgage Comparison Calculator
Side-by-side comparison of two loan scenarios.
Mortgage Points Calculator
Whether buying points is worth it based on break-even period.
FHA Loan Calculator
Payment with FHA-specific down payment and MIP rules.
VA Loan Calculator
Payment for VA loans with no down payment and no PMI.
LTV Calculator
Loan-to-value ratio from loan amount and property value.
PITI Calculator
Full monthly housing payment: principal, interest, taxes, insurance.
Interest-Only Mortgage Calculator
Payment during interest-only period vs amortizing period.
Jumbo Loan Calculator
Payment for loans above conforming limits.
Balloon Mortgage Calculator
Payments and final balloon payment amount.
Earnest Money Calculator
Typical earnest money amount from purchase price.
Mortgage Penalty Calculator
Prepayment penalty calculation (IRD and 3-month interest methods).
Graduated Payment Mortgage
Payments that increase over time per schedule.
About Our Mortgage Calculators
Every mortgage calculator on this page is completely free, requires no signup, and runs entirely in your browser. Your financial data never leaves your device. We cover everything from basic monthly payment calculations to advanced amortization schedules, refinance analysis, and affordability estimates.
Whether you're a first-time homebuyer figuring out what you can afford or a homeowner exploring refinancing options, these tools give you clear answers in plain English.