Mortgage & Housing Calculators
Buying a house is likely the largest financial decision you will ever make. Take the guesswork out of lending: estimate your true monthly costs, model strict amortization schedules, and avoid destructive hidden interest traps.
Calculations are rooted in standard financial formulas and are provided as educational estimates only. They do not constitute professional financial advice. Results may vary based on actual interest rates and fees. You should verify all numbers with a certified financial professional prior to making significant financial commitments. Read our editorial commitment →
Mortgage Payment Calculator with Taxes and Insurance
Calculate your monthly mortgage payment including principal, interest, taxes, insurance, and PMI. Get a complete breakdown of your monthly housing costs.
Mortgage Amortization Calculator & Schedule
See a detailed mortgage amortization schedule. Track how much of each payment goes toward principal vs interest and see your loan balance over time.
Mortgage Payoff Calculator
Estimate your mortgage payoff date, total interest remaining, and interest savings from extra payments.
Biweekly Mortgage Calculator: Save on Interest
Compare biweekly vs monthly mortgage payments. See how making a payment every two weeks can shorten your loan term and save you thousands in interest.
Extra Mortgage Payment Calculator: Pay Off Early
Calculate how much you can save by making extra principal payments on your mortgage. See how much faster you can be debt-free.
Mortgage Refinance Calculator: Is It Worth It?
Compare your current mortgage to a new refinance scenario. Calculate your break-even point and see if refinancing your home loan makes financial sense.
Mortgage Affordability Calculator
Estimate how much house you can afford based on income, debts, down payment, and interest rate.
Adjustable-Rate Mortgage (ARM) Calculator
Estimate payments for an ARM by comparing the initial fixed rate period to a later adjusted rate.
Closing Costs Calculator
Estimate typical mortgage closing costs using a percent-based range and compare scenarios.
Down Payment Calculator
Calculate your down payment amount, loan amount, and down payment percentage for a home purchase.
FHA Loan Calculator
Calculate monthly payments for an FHA loan, including upfront and monthly mortgage insurance premiums (MIP).
HELOC Calculator
Estimate HELOC payments during the draw period and the repayment period based on your rate and term.
Home Equity Loan Calculator
Estimate monthly payments and total interest for a fixed-rate home equity loan.
Interest-Only Mortgage Calculator
Estimate interest-only payments and compare them to fully amortized payments over the full term.
Mortgage APR Calculator
Estimate mortgage APR by including points and upfront fees to compare loan offers more accurately.
Mortgage Interest Calculator
Estimate your mortgage payment, total interest paid, and total loan cost based on rate and term.
Mortgage Points Calculator
Estimate the cost of discount points and calculate the break-even time based on monthly savings.
Mortgage Rate Comparison Calculator
Compare two mortgage rates and terms to see the difference in monthly payment and total interest.
PMI Calculator
Estimate your monthly PMI payment based on home price, down payment, and PMI rate.
Property Tax Calculator
Estimate annual and monthly property taxes based on home value, tax rate, and exemptions.
Rent vs Buy Calculator
Compare the estimated cost of renting vs buying over time using rent growth and home appreciation.
Reverse Mortgage Calculator
Estimate how much equity you can access through a Home Equity Conversion Mortgage (HECM) based on your age and home value.
VA Loan Calculator
Estimate monthly payments for a VA home loan, including the VA funding fee and no down payment options.
Related Calculator Categories
Explore related tools to continue planning your finances:
Start Here: The Homebuyer's Journey
If you are actively browsing real estate listings, always start with the Core Mortgage Payment Calculator. It is designed to give you a realistic "out-the-door" monthly cost by accounting for Property Taxes, Homeowners Insurance, and HOA fees—which often add hundreds of dollars beyond basic principal and interest.
If you already own a home and are drowning in high internet rates, pivot to the Refinance Simulator to objectively calculate your exact "break-even" timeline on closing costs.
What You Can Calculate Here
- ✓True Housing Affordability: Reverse-engineer your salary to see how much house your budget can safely absorb.
- ✓Amortization Burn-down: See exactly how much of your first 5 years of payments is tragically swallowed purely by bank interest.
- ✓Extra Payment Impact: Model what happens to your 30-year term if you aggressively add an extra $200 toward the principal every month.
- ✓Biweekly Hacks: Validate whether switching to a biweekly payment cadence actually saves you tens of thousands in interest.