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Mortgage Calculators
One hub for every number that matters — from your first affordability check to your final payoff payment.
Buying or refinancing a home is a sequence of decisions, and each one turns on a number. How much house can you afford? What will the full monthly payment really be once taxes, insurance and PMI are included? Is it worth paying points for a lower rate, or making extra payments to retire the loan early? Our free mortgage calculators answer each question with live results and no sign-up.
We built a dedicated tool for every phase — affordability and debt-to-income before you shop, payment and closing-cost estimates while you compare homes, amortization and payoff planning once you own, and refinance, FHA, reverse and commercial calculators for specialized needs. Pick the calculator that matches your decision below, then request a personalized quote when you are ready to act.
Payments & Costs
Mortgage Payment Calculator
Estimate your complete monthly mortgage payment, broken down into principal, interest, taxes, insurance and PMI.
Open calculatorMonthly Mortgage Calculator
See exactly what your home loan costs each month, with every line item that lenders factor into your budget.
Open calculatorMortgage Interest Calculator
Discover how much interest your mortgage really costs and how rate, term and extra payments shrink that total.
Open calculator30-Year Mortgage Calculator
Estimate the payment and lifetime interest on a 30-year fixed loan and weigh it against a shorter term.
Open calculatorClosing Cost Calculator
Estimate the lender fees, title charges and prepaids that make up your total cash to close.
Open calculatorPayoff & Amortization
Mortgage Amortization Calculator
Build a full amortization schedule showing how each payment splits between principal and interest over time.
Open calculatorMortgage Payoff Calculator
See how extra payments move up your payoff date and how much interest you'll save along the way.
Open calculatorEarly Mortgage Payoff Calculator
Map out an early payoff plan and see exactly how many years and dollars of interest you can save.
Open calculatorAffordability & Rates
Mortgage Affordability Calculator
Find out how much house you can afford based on your income, debts and down payment.
Open calculatorMortgage Refinance Calculator
Compare your current loan to a new rate and find the break-even point where refinancing pays off.
Open calculatorMortgage Rates Calculator
See how each interest rate changes your monthly payment and the total interest you'll pay.
Open calculatorRent vs. Buy Calculator
Compare the real long-term cost of renting versus buying, including equity, taxes and upkeep.
Open calculatorDebt-to-Income Calculator
Calculate your debt-to-income ratio and see how it affects your mortgage qualification.
Open calculatorSpecialty Loans
Reverse Mortgage Calculator
Estimate how much home equity a borrower aged 62+ could access through a reverse mortgage.
Open calculatorCommercial Mortgage Calculator
Estimate payments and balloon balances on commercial property loans for investors and businesses.
Open calculatorFHA Mortgage Calculator
Estimate an FHA loan payment including upfront and annual mortgage insurance premiums.
Open calculatorDone running the numbers?
Turn your estimates into real offers. Compare personalized rates from multiple lending partners — free, with no impact to your credit score.