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Mortgage Calculators

Crystal-clear calculators that show you the real numbers. Pick one and start calculating.

Buying a Home

Starting your homeownership journey

How Much House Can I Afford?

Calculate your max home price based on income, debts, and down payment. See conservative, moderate, and aggressive affordability ranges.

Who it's for:First-time and repeat homebuyers

Answers:What's my safe price range?

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Down Payment Strategy

Compare 3%, 5%, 10%, 15%, and 20% down payments. See PMI costs, cash requirements, and break-even analysis.

Who it's for:Buyers deciding how much to put down

Answers:How much should I put down?

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Rent vs Buy Truth Model

Full comparison including rent inflation, home appreciation, opportunity cost, and transaction costs. See net worth crossover year.

Who it's for:Renters considering buying

Answers:Should I rent or buy?

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Current Homeowners

Already own? Optimize your mortgage

True Monthly Mortgage Cost

See your real monthly payment including PITI, HOA, and PMI - not just the principal and interest most calculators show.

Who it's for:Homebuyers and homeowners

Answers:What will I actually pay each month?

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Refinance Break-Even

Compare your current loan vs refinancing. See when you break even on closing costs and total savings over time.

Who it's for:Homeowners considering refinancing

Answers:Is refinancing worth it for me?

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Cash-Out Refinance Analyzer

Understand the true cost of pulling cash from your home. Compare vs HELOC and other alternatives.

Who it's for:Homeowners needing cash

Answers:Should I do a cash-out refi?

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Recast vs Refinance

Compare lump-sum recast, refinance, and simple prepayment. See which saves the most interest and gives best flexibility.

Who it's for:Homeowners with lump sum cash

Answers:Recast, refi, or just prepay?

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Rate & Structure Decisions

Choosing the right loan structure

Points & Buydown Optimizer

Compare par rate, buying points, lender credits, and temporary buydowns. See best option for your timeline.

Who it's for:Buyers choosing rate options

Answers:Should I buy points or take credits?

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ARM vs Fixed Reality Check

Model rate caps, adjustment timelines, and worst-case scenarios. See probability-weighted cost comparison.

Who it's for:Buyers considering ARMs

Answers:ARM or fixed rate?

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Mortgage Decision Timeline

Find the best mortgage structure based on when you plan to move or refinance. Accounts for refi likelihood.

Who it's for:Buyers with specific timelines

Answers:What loan fits my timeline?

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Payoff & Wealth Strategy

Pay off faster or build wealth?

Extra Payment Impact

See how extra payments save interest and shorten your loan. Compare paying down debt vs investing the money.

Who it's for:Anyone with a mortgage

Answers:Should I pay extra or invest?

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Mortgage Acceleration Planner

Compare prepayment, recast, refinance later, and investing. See fastest payoff vs highest net worth strategies.

Who it's for:Homeowners with extra cash flow

Answers:What's my best acceleration strategy?

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Biweekly vs Monthly Payments

See the truth about biweekly payments. Compare true biweekly, fake biweekly, and DIY alternatives.

Who it's for:Homeowners considering biweekly

Answers:Is biweekly worth it?

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Advanced Analysis

Power user tools

Interest Rate Sensitivity

See how ±0.25%, ±0.5%, ±1% rate changes affect your payment and total cost. Useful for lock decisions.

Who it's for:Buyers timing rate locks

Answers:How much does rate timing matter?

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Not sure where to start?

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