What will my monthly payment be?
Price, down payment and rate → the full payment with taxes, insurance and PMI.
Mortgage CalculatorAlso: Mortgage Calculator with Taxes & Insurance · Amortization Calculator
The library · 57 tools
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.
Search by name or by what you want to know — 57 tools.
Start with a question
What do you want to figure out?
I'm buying a home
How much house can I afford?
Income and debts → a price you can carry comfortably.
Home Affordability CalculatorAlso: Mortgage Qualifier Calculator · Mortgage Required Income Calculator
How much cash do I need to close?
Buyer closing costs on top of the down payment.
Home Closing Cost CalculatorAlso: Down Payment Calculator · Mortgage Calculator with PMI
I already have a mortgage
Is refinancing worth it?
A yes or no for how long you will stay, after closing costs.
Should I Refinance CalculatorAlso: Mortgage Refinance Calculator · Mortgage Points Calculator
How can I pay it off faster?
Extra or lump-sum payments → new payoff date and interest saved.
Mortgage Payoff CalculatorAlso: Biweekly Calculator for an Existing Mortgage · Mortgage Recast Calculator
How much can I borrow against my home?
Your equity, your loan-to-value, and how much of it a lender would let you borrow.
Home Equity CalculatorI'm comparing loans
Which loan type fits me?
Credit score, down payment and goal → the programs that fit.
Loan finder15-year or 30-year?
The payment gap against the interest you save on the same loan.
15 vs. 30 Year MortgageFixed or adjustable rate?
When an ARM's lower start beats a fixed rate — and when the reset bites.
ARM vs. Fixed-Rate Mortgage Similar tools
Which one do I need?
Some calculators sound alike but answer different questions. Pick by what you know and what you want to find out.
Monthly payment
- Mortgage CalculatorStart here: home price and down payment → the full monthly payment with taxes, insurance, PMI and HOA, plus the schedule.
- Mortgage Calculator with Taxes & InsuranceYou want typical property tax and insurance filled in for your state.
- Mortgage Calculator with PMIYou are putting down less than 20% and want the PMI cost and the month it ends.
- Amortization CalculatorYou know the loan amount and want every payment split into principal and interest.
How much can I afford?
- Home Affordability CalculatorA comfortable budget — the conservative 28% housing / 36% total-debt rule.
- Mortgage Qualifier CalculatorWhat a lender would approve — 28% / 43% limits, and which one stops you.
- Maximum Mortgage CalculatorThe ceiling — the largest loan under a single debt-to-income cap.
- Mortgage Required Income CalculatorWorking backwards — the income you need for a loan you have in mind.
Refinancing
- Should I Refinance CalculatorA yes-or-no verdict for how long you will stay, counting what you would still owe.
- Mortgage Refinance CalculatorThe full comparison: payment change, break-even, net savings and a year-by-year table.
- Cash-Out Refinance CalculatorYou want to take part of your equity out as cash.
- Mortgage Points CalculatorWhether paying points for a lower rate pays off before you move.
Paying off early
- Mortgage Payoff CalculatorExtra monthly or lump-sum payments → payoff date and interest saved, or the extra needed to finish by a target year.
- Biweekly Calculator for an Existing MortgageSwitching the loan you already have to half-payments every two weeks.
- Biweekly Mortgage CalculatorThe same idea for a new loan you are about to take.
- Mortgage Recast CalculatorA lump sum that lowers your payment instead of shortening the loan.
No calculator matches that yet — try a shorter word like “payment”, “refinance” or “HELOC”.
Common questions
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.