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Mortgage & Investment Calculators
Free calculators covering every stage of the homebuying, investing, and homeownership journey. No sign-up required. All results display instantly on the page.
Buy a Home
Mortgage Calculator
Monthly payment, total interest, full amortization schedule. Includes PITI — property tax and insurance for the real number.
Most popular
Home Affordability Calculator
How much house can you afford? Uses the 28/36 DTI rule with your income and debts to find your safe maximum loan.
First-time buyers
DTI Calculator
Check your debt-to-income ratio against lender thresholds. Shows front-end and back-end DTI for conventional, FHA, and VA loans.
Qualification check
Closing Cost Calculator
Break down every closing fee — origination, title, appraisal, prepaid taxes and insurance. No surprises at the closing table.
Often overlooked
Down Payment Savings Planner
How long until you can buy? Enter your savings rate and target and get your exact purchase date.
Future buyers
FHA vs Conventional Calculator
Which loan type costs less total? Compares MIP vs PMI costs and finds the exact crossover point.
Loan type choice
PMI Calculator & Removal Timeline
Calculate your monthly PMI cost and find the exact month it drops off — with and without home appreciation.
Under 20% down
True Cost of Homeownership
The all-in monthly cost banks don’t show — mortgage, tax, insurance, maintenance, HOA, and utilities in one number.
Eye-opening
Compare Loan Options
Loan Comparison Tool
Compare two mortgage offers side by side. Factors in closing costs to show which loan saves more over your planned stay.
Before you sign
ARM vs Fixed-Rate Calculator
Is the lower ARM rate worth the risk? Models three rate scenarios — flat, rising, and worst-case cap — to compare total cost.
Rate risk
Mortgage Points Calculator
Should you buy down your rate? Find your exact break-even month and total savings — or see when it’s not worth it.
Rate shoppers
Mortgage Tax Deduction Calculator
Calculate your actual tax savings and effective after-tax mortgage rate. See if itemizing beats the standard deduction.
Tax planning
Manage Your Mortgage
Early Payoff Calculator
See how many years you save — and how much interest you avoid — by adding extra payments each month.
Save thousands
Biweekly Payment Calculator
Paying every two weeks = one extra payment per year. See exactly how many years you shave off and interest saved.
Easy win
Refinance Break-Even Calculator
Is refinancing worth it? Find the exact month your savings exceed closing costs based on your actual numbers.
Rate drop alert
Home Equity & Second Mortgages
HELOC vs Home Equity Loan
Variable vs fixed second mortgage — which costs less? Models three Fed rate scenarios including worst-case.
Home equity
Cash-Out Refinance vs HELOC
Should you replace your mortgage or add a second? Critical for homeowners with low existing rates.
Home equity
HELOC Rates — All 50 States
Current variable HELOC rates by state. National average 7.21% APR. Includes borrowing calculator.
Live rates
Home Equity Loan Rates
Fixed HEL rates by state. National average 7.36% APR. Includes payment calculator.
Live rates
Invest in Real Estate
Rent vs Buy Calculator
Find your exact break-even year. Factors in opportunity cost, appreciation, transaction costs, and rent inflation.
Most shared
Real Estate vs S&P 500
Rental property or index fund? Full 30-year model with leverage, rent income, dividends, and capital gains tax.
Unique tool
Rental Property ROI Calculator
Cap rate, cash-on-cash return, monthly cash flow, gross yield — full investment analysis with 30-year projection.
Investors
Disclaimer: All calculators provide estimates for educational purposes. Not financial advice. Consult a qualified financial advisor. Full disclaimer