Finance Calculator X

8 calculators

Mortgage & Home Calculators

Estimate home costs, affordability, refinancing and early payoff.

A mortgage can stay with you for decades, so a modest change in the rate, term or extra payment can materially change the final cost. The Mortgage Calculator estimates principal, interest, property tax, home insurance, PMI and HOA fees together. The House Affordability Calculator starts with income and current debts to estimate a price range from debt-to-income limits.

If you already own, the Mortgage Payoff Calculator and Refinance Calculator quantify the two most common questions: what extra payments would save, and whether refinancing truly breaks even after closing costs. And if you're deciding whether to buy at all, the Rent vs Buy Calculator compares the true multi-year cost of both paths, including the opportunity cost of your down payment.

Start here

House Affordability CalculatorHome price your income supports under 28/36 DTI rules, with the binding constraint named.Mortgage CalculatorTrue monthly payment including tax, insurance, PMI and HOA, plus amortization.Rent vs Buy CalculatorNet cost of buying vs renting year by year, with break-even and equity at your horizon.

All mortgage & home calculators

Down Payment CalculatorCash needed at closing and the savings timeline to reach it, at any down payment percent.House Affordability CalculatorHome price your income supports under 28/36 DTI rules, with the binding constraint named.Mortgage Amortization CalculatorDated month-by-month schedule with the principal/interest crossover point.Mortgage CalculatorTrue monthly payment including tax, insurance, PMI and HOA, plus amortization.Mortgage Payment CalculatorQuick monthly P&I payment with rate sensitivity and 15/20/30-year comparison.Mortgage Payoff CalculatorInterest saved and time cut by extra payments or a lump sum on an existing mortgage.Refinance CalculatorMonthly saving, break-even on fees, and lifetime cost of a refinance — term reset included.Rent vs Buy CalculatorNet cost of buying vs renting year by year, with break-even and equity at your horizon.

What these calculators assume

All mortgage tools here model fixed-rate, fully amortizing loans, a widely used structure but not the only one. Adjustable-rate products, interest-only periods and negative amortization are deliberately out of scope, because their outcomes depend on future rate paths no calculator can honestly predict. Property tax, insurance and maintenance inputs are annual estimates you control; the pages explain typical ranges, but your actual figures depend on location and property. Every result should be read as an estimate to structure your decision, then verified against a lender's official quote or amortization statement.

Related guides

All guides
GuideAPR vs Interest Rate: What's the Difference?What APR includes that the interest rate doesn't, and a computed case where the lower rate loses.GuideHow Extra Loan Payments Reduce InterestThe mechanics of prepayment: where the money goes, why timing matters 3x, and when not to prepay.GuideHow Loan Amortization WorksThe payment formula read in plain words, a schedule built by hand, and the principal crossover located.

Related categories

Loan CalculatorsWork through payments, interest, repayment schedules and payoff options.Savings CalculatorsPlan regular deposits, savings goals and interest growth.