Mortgage Calculators
Each calculator answers one question with real amortization math. Your inputs carry across all of them, so you only enter your situation once.
What would my monthly payment be?
Mortgage Calculator
Payment, taxes, insurance, mortgage insurance and total interest in one place.
Open Mortgage Calculator →Should I buy or keep renting?
Buy vs Rent
See what buying versus renting could mean over 5, 10 and 20 years.
Open Buy vs Rent →How much should I put down?
Down Payment
Compare 3%, 5%, 10%, 15%, 20% and custom down payments side by side.
Open Down Payment →Is FHA or conventional better for me?
FHA vs Conventional
Compare cash needed, monthly payment, mortgage insurance and long-term cost.
Open FHA vs Conventional →Should I refinance?
Refinance
Compare your current mortgage against a potential refinance, including the reset term.
Open Refinance →What if I pay extra every month?
Pay Extra
See how extra monthly or one-time payments change your payoff date and interest.
Open Pay Extra →Should I take a 15-year or 30-year mortgage?
15 vs 30 Year
Cash flow versus total interest on a shorter loan term.
Open 15 vs 30 Year →What if my interest rate changes?
Rate Comparison
What each half point of interest rate does to your payment and total interest.
Open Rate Comparison →Should I buy down my rate?
Rate Buydown
Break-even math on paying discount points to lower your rate.
Open Rate Buydown →How much equity could I have?
Home Equity
Project equity at 1, 5, 10 and 20 years from payments plus appreciation.
Open Home Equity →Which option fits my situation?
Compare My Options
One home price, every financing path, side by side — including renting.
Open Compare My Options →What if I change this?
Decision Simulator
Enter your numbers once, then move between every what-if question.
Open Decision Simulator →
Educational only: The calculators and information on this website are for educational and illustrative purposes only. Results are estimates based on the information and assumptions entered and are not a loan offer, commitment to lend, financial advice or guarantee of eligibility, rates, costs or savings. Actual loan terms, rates, fees, mortgage insurance and qualification requirements vary by borrower, property, lender and loan program. Speak with a licensed mortgage professional for personalized information.