Mortgage & Home Calculators
Refinance break-even, amortization, and affordability tools for homeowners and buyers weighing a specific decision.
- Home Affordability CalculatorCalculate the maximum home price you can afford based on income, existing debts, and lender DTI constraints.
- ARM vs. Fixed-Rate Mortgage ComparisonCompare a 5/1 ARM (or 3/1, 7/1, 10/1) against a 30-year fixed mortgage over your planning horizon. See monthly payment difference, cumulative interest savings, and breakeven timing.
- Home Equity Loan vs. HELOC CalculatorCompare the total interest cost of a fixed-rate home equity loan against a HELOC's interest-only draw period followed by a fully amortising repayment phase.
- Mortgage Amortization Schedule CalculatorSee the full month-by-month amortization schedule for any loan. Visualize how much interest you pay over the life of the loan and how extra payments shorten your term.
- Mortgage Payment CalculatorCalculate your monthly mortgage principal and interest payment, total interest paid over the life of the loan, and view a full amortization schedule.
- Mortgage Points Break-Even CalculatorCalculate how many months it takes to break even on mortgage discount points. Compare your upfront cost to the monthly payment reduction and see if buying points makes sense for your timeline.
- Mortgage Recast CalculatorCalculate your new monthly payment after a mortgage recast. Enter your current balance, rate, remaining term, and lump-sum payment to see monthly savings and total interest saved.
- Mortgage Refinance Break-Even CalculatorFind out how many months it takes for refinance savings to repay your closing costs, plus lifetime interest impact.
- PMI Removal Timeline CalculatorFind out exactly when your private mortgage insurance (PMI) will be automatically cancelled under the Homeowners Protection Act, how much PMI you will pay in total, and how extra payments can accelerate removal.
- Rent vs. Buy CalculatorCompare the full financial cost of renting vs. buying a home over your chosen time horizon, including opportunity cost, equity buildup, and all carrying costs.
- Second Mortgage Affordability CalculatorFind out how much you can afford on a second mortgage given your income, existing first mortgage, and other debts — using standard front-end and back-end DTI limits.