Every mortgage calculator, in one place.
Instant, mobile-first calculators with full amortization schedules, charts and printable reports — organised into seven clusters so you can find the right tool in seconds.
Mortgage Calculator
Estimate your monthly principal-and-interest payment and see a full amortization schedule for any home loan.
Amortization Calculator
Generate a complete amortization schedule for any fixed-rate loan, every payment split into principal and interest.
Mortgage Calculator with Taxes & Insurance
See your full PITI payment: principal, interest, property tax, homeowners insurance, PMI and HOA dues.
Mortgage Calculator with PMI
Include private mortgage insurance in your payment and find out exactly when PMI drops off.
APR Mortgage Calculator
Convert a rate plus points and fees into the true annual percentage rate (APR) of your mortgage.
Interest-Only Mortgage Calculator
Compare the low interest-only payment with the jump once principal repayment begins.
Biweekly Mortgage Calculator
Pay half your mortgage every two weeks and see how one extra payment a year cuts your term and interest.
Biweekly Calculator for an Existing Mortgage
Switch your current mortgage to biweekly payments and measure the time and interest you would save.
30-Year Mortgage Calculator
The most common home loan: the lowest monthly payment, spread over 30 years.
20-Year Mortgage Calculator
A middle-ground term: less interest than a 30-year without the 15-year payment jump.
15-Year Mortgage Calculator
A higher payment, far less total interest, and equity built roughly twice as fast.
10-Year Mortgage Calculator
Aggressive payoff with the lowest lifetime interest, for fast equity and high incomes.
Home Affordability Calculator
Work backward from your income and debts to the home price and mortgage you can responsibly afford.
Maximum Mortgage Calculator
Find the largest mortgage and home price you qualify for under a lender debt-to-income limit.
Mortgage Qualifier Calculator
Check whether your income, debts and down payment qualify you for the loan you want.
Mortgage Required Income Calculator
Find the gross income a lender will want to see to approve a given mortgage payment.
Down Payment Calculator
Turn a down-payment percentage into dollars and see whether you clear the 20% PMI threshold.
Rent vs. Buy Calculator
Compare the true long-run cost of renting against buying, including equity, taxes and opportunity cost.
Mortgage Tax Savings Calculator
Estimate the income-tax savings from deducting your mortgage interest and property tax.
Mortgage Refinance Calculator
Compare your current loan to a refinance: new payment, closing costs and the break-even point.
Should I Refinance Calculator
Decide if refinancing is worth it by weighing monthly savings against closing costs and time in the home.
Mortgage Payoff Calculator
See how extra monthly payments shorten your mortgage and slash the interest you pay.
Mortgage Points Calculator
Decide whether buying discount points to lower your rate pays off, and how long it takes.
Blended Rate Mortgage Calculator
Find the combined effective rate across a first mortgage and a second loan or HELOC.
Mortgage Debt Consolidation Calculator
See whether rolling high-interest debt into your mortgage lowers your total monthly cost.
Cash-Out Refinance Calculator
Refinance for more than you owe and take the difference in cash — new payment, cash in hand and new LTV.
Mortgage Recast Calculator
Make a lump-sum payment and re-amortize the smaller balance to lower your payment, same rate and payoff date.
FHA Loan Calculator
Estimate an FHA payment including upfront and annual mortgage insurance premiums (MIP).
Reverse Mortgage Calculator
Estimate the proceeds available to a homeowner 62 or older from a reverse mortgage.
Balloon Mortgage Calculator
Keep payments low with a long amortization, then see the lump-sum balloon due at the short term end.
Combination (Piggyback) Mortgage Calculator
Model an 80-10-10 piggyback structure to avoid PMI with a first and second mortgage.
15 vs. 30 Year Mortgage
Compare a 15-year and 30-year loan: the higher payment against the interest you save.
20 vs. 30 Year Mortgage
Weigh a 20-year mortgage higher payment against its long-term interest savings.
VA Loan Calculator
Estimate a VA loan payment: $0 down, no PMI, including the one-time funding fee.
USDA Loan Calculator
Estimate a USDA loan: 0% down for eligible rural buyers, with its guarantee and annual fees.
Jumbo Mortgage Calculator
Price a loan above the conforming limit, with full amortization and total interest.
Second Mortgage Calculator
The fixed payment and combined loan-to-value on a second mortgage behind your first lien.
Commercial Mortgage Calculator
A commercial loan amortized over a long schedule with a balloon due in a shorter term.
Construction Loan Calculator
Interest-only during the build, then a permanent mortgage — see both payments and the construction interest.
Adjustable-Rate Mortgage (ARM) Calculator
Project payments through the fixed period and the rate adjustments that follow on an ARM.
ARM vs. Fixed-Rate Mortgage
Compare an adjustable-rate mortgage against a fixed-rate loan across likely rate scenarios.
ARM & Interest-Only ARM vs. Fixed
Compare a standard ARM, an interest-only ARM and a fixed-rate mortgage side by side.
Interest-Only ARM Calculator
Model the interest-only period of an ARM and the payment shock when amortization begins.
Option ARM Calculator
See how minimum payments on an option ARM can cause negative amortization and a growing balance.
Fixed-Rate vs. Interest-Only Mortgage
Compare a conventional fixed-rate loan against an interest-only mortgage over time.
Fixed-Rate vs. LIBOR ARM
Compare a fixed-rate mortgage with an index-based ARM under rising and falling rate paths.
APR Calculator for ARMs
Estimate the APR of an adjustable-rate mortgage, accounting for the fixed and adjusted periods.
5/1 ARM Calculator
Five years fixed, then annual adjustments. The most common ARM, shown with the reset.
3/1 ARM Calculator
Three years fixed then annual resets. The lowest start rate, soonest reset risk.
7/1 ARM Calculator
Seven years of fixed payments before annual adjustments begin. A longer runway.
10/1 ARM Calculator
A full decade fixed before the rate starts adjusting. Closest to a fixed loan.
Mortgage calculators — frequently asked
Are these mortgage calculators free?
Yes — every calculator here is free, with no sign-up, and nothing you enter leaves your browser. Each one runs the same standard amortization math lenders use and returns a full schedule, charts and a printable report.
Which mortgage calculator should I use?
Start with the Mortgage Calculator for your monthly payment, the Affordability Calculator to find a price you can carry, and the Refinance Calculator to weigh a new loan.
The seven categories above group every tool by what you are trying to figure out.
How accurate are these calculators?
They use the exact time-value-of-money formulas lenders rely on, so the principal-and-interest figures are precise. Your final rate, taxes, insurance and fees depend on your lender and locality — enter your own numbers for the closest estimate.
Do the calculators work on mobile?
Yes — every tool is mobile-first, recalculates instantly as you type, and produces the same printable PDF report on a phone as on a desktop.
Do I need to create an account?
No. There is no sign-up, no login and nothing to install. Everything runs in your browser, and no numbers you enter are sent anywhere.