Mortgage Calculator
Calculate your monthly payment and total loan cost
Loan Details
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Monthly Breakdown
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Total Monthly Payment
Principal & Interest—
Property Tax—
Home Insurance—
PMI (est.)—
Loan Amount—
Total Interest Paid—
Total Cost—
Amortization Schedule
See exactly how each payment splits between principal and interest
Loan Details
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Summary
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Monthly Payment
Total Months—
Total Interest—
Total Paid—
Interest Saved (extra $)—
Paid Off Earlier—
Financing Calculator
Analyze total loan cost including APR, points, and closing fees
Loan Parameters
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Analysis
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Monthly Payment
APR (effective)—
Total Interest—
Points Cost—
Total Closing—
Breakeven (months)—
Total Loan Cost—
House Affordability
Find out how much home you can comfortably afford
Your Financial Profile
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Affordability Range
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Comfortable Home Price (28% DTI)
Conservative (25% DTI)—
Comfortable (28% DTI)—
Stretch (36% DTI)—
Max Monthly Payment—
Current DTI (debts only)—
DTI Ratio—
Ideal <28%Max 36%Risky 43%+
Note: These are estimates based on standard DTI guidelines. Actual approval depends on credit score, employment history, and lender criteria.
Interest Rate Comparator
See how different rates affect your total cost side by side
Loan Setup
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Rate Comparison
Enter rates and click Compare
Rent vs. Buy
Find your break-even point and true cost of each option
Buying Costs
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Renting Costs
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After 7 Years
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Run the comparison
Total Buy Cost—
Total Rent Cost—
Home Value (after yrs)—
Equity Built—
Net Buy Advantage—
Break-Even Point—
Home Equity / HELOC
Calculate your available equity and HELOC payment options
Your Home Equity
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HELOC Payment
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Equity & HELOC Details
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Available to Borrow (Max LTV)
Total Equity—
Loan-to-Value (current)—
Interest-Only Payment (draw)—
Full Payment (repayment)—
Total Interest (HELOC)—
Total HELOC Cost—
LTV after borrowing—
Safe <80%Max 85%High Risk 90%+
Refinance Break-Even
Is refinancing worth it? Find out how long to recoup the cost
Current Loan
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New Loan
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Refinance Analysis
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Months to Break Even
Current Payment—
New Payment—
Monthly Savings—
Closing Costs—
Lifetime Interest (current)—
Lifetime Interest (new)—
Total Interest Saved—
Property Investment ROI
Analyze cash flow, cap rate, and return on a rental property
Property Details
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Income & Expenses
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Investment Summary
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Monthly Cash Flow
Gross Annual Rent—
Effective Gross Income—
Mortgage Payment—
NOI (Net Operating Income)—
Cap Rate—
Cash-on-Cash Return—
Gross Rent Multiplier—
5-Year Projected Value—
Closing Cost Estimator
Estimate all the fees you'll pay at closing — buyers and sellers
Transaction Details
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Cost Breakdown
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Estimated Total Closing Costs
Run calculation to see breakdown
Estimates only. Actual closing costs vary by state, lender, and property. Always request a Loan Estimate from your lender for precise figures.
Down Payment Savings Goal
Plan how long it'll take to save your down payment
Your Savings Plan
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Savings Timeline
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Months to Goal
Down Payment Goal—
Closing Cost Est.—
Total Target—
Still Needed—
Interest Earned—
Ready By—
Savings Progress—
Debt-to-Income Checker
Check if your DTI meets lender requirements before you apply
Your Income
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Monthly Debt Payments
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DTI Analysis
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Back-End DTI Ratio
Total Monthly Income—
Front-End DTI (housing only)—
Back-End DTI (all debts)—
Total Monthly Debts—
Conventional Loan—
FHA Loan—
VA Loan—
Back-End DTI—
Ideal <36%Max 43%Difficult 50%+