All Mortgage Calculators
Every free mortgage calculator in one place — from basic payment estimation to loan comparisons and financial planning tools. No sign-up required.
Core Calculators
The essential tools for estimating your mortgage payment and understanding your loan.
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Payment Calculator
Calculate your full monthly mortgage payment including principal, interest, taxes, insurance, and PMI.
Inputs: Home price, down payment, rate, term, property tax, insurance, PMI
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Amortization Schedule
See every monthly payment broken down into principal and interest, plus your running loan balance.
Inputs: Loan amount, rate, term
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Affordability Calculator
Find out how much house you can afford based on your income, debts, and down payment.
Inputs: Annual income, monthly debts, down payment, rate, term
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Refinance Calculator
Compare your current mortgage against a new loan to see if refinancing saves you money.
Inputs: Current balance, rate, remaining term, new rate, new term, closing costs
Loan Type Calculators
Calculators built for specific government-backed and specialty loan programs.
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FHA Loan Calculator
Estimate monthly payments on an FHA loan including upfront and annual mortgage insurance premiums (MIP).
Inputs: Home price, down payment, rate, term, credit score tier
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VA Loan Calculator
Calculate VA loan payments with the one-time funding fee rolled in or paid upfront.
Inputs: Home price, down payment, rate, term, service type, funding fee tier
Comparison Tools
Side-by-side tools that help you choose between two paths.
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15 vs. 30 Year Mortgage
Compare the monthly payment, total interest, and break-even point for a 15-year versus a 30-year mortgage.
Inputs: Home price, down payment, 15-year rate, 30-year rate, property tax, insurance
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Rent vs. Buy Calculator
Model the long-term financial difference between renting and buying a home in your market.
Inputs: Home price, down payment, rate, term, monthly rent, appreciation rate, investment return rate
Financial Planning
Tools for budgeting, planning your purchase, and optimizing your loan payoff.
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Down Payment Calculator
See how different down payment amounts affect your monthly payment, PMI, and total interest paid.
Inputs: Home price, down payment, rate, term
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Closing Costs Calculator
Estimate the total closing costs you'll owe at settlement, broken down by fee type.
Inputs: Home price, loan amount, location, loan type
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DTI Calculator
Calculate your debt-to-income ratio and see if you're within lender guidelines for a mortgage.
Inputs: Gross monthly income, monthly debts (car, student loans, credit cards, etc.)
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Extra Payments Calculator
Find out how much time and interest you save by making extra principal payments each month or year.
Inputs: Loan amount, rate, term, extra monthly payment, extra annual payment
About These Calculators
Accurate, server-side math
Every calculator runs its math on the server before the page loads, so you always see a real result — even with JavaScript disabled. Results are also available as a JSON API if you need to integrate them into your own tools.
Shareable URLs
Each calculation produces a unique URL with your inputs baked in as query parameters. Bookmark it, share it with your partner or lender, or come back later — the numbers will be exactly where you left them.
No sign-up, always free
All calculators on this site are completely free to use with no account required. They are designed for homebuyers, homeowners, and real estate professionals who need fast, reliable estimates.
Educational, not financial advice
These tools give you accurate estimates based on the inputs you provide, but every loan is different. Always confirm numbers with a licensed lender before making financial decisions.
Ready to Take the Next Step?
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