Free Mortgage Calculators 2025
Calculate your mortgage in 60 seconds. Free tools for payments, affordability, refinancing, and more. Trusted by 500,000+ homebuyers.
Ready to Get Pre-Approved?
After calculating your numbers, get pre-approved with top lenders. Compare rates and find your best mortgage option.
Compare Lenders & Get Pre-Approved →✓ Free service ✓ No credit impact ✓ 2-minute application ✓ Compare multiple lenders
Why Use Our Mortgage Calculators?
Making informed decisions about mortgages requires accurate calculations and understanding of how different factors affect your finances. Our suite of free mortgage calculators empowers you to explore various scenarios and make confident decisions about home financing.
🎯 Instant Results
Get accurate calculations instantly without signing up or providing personal information. All calculations are done in your browser for complete privacy.
💰 Save Money
Understand the true cost of different loan options and refinancing scenarios. Small changes can save you tens of thousands of dollars over the life of your mortgage.
📊 Compare Options
Compare different down payments, interest rates, and loan terms side-by-side. See exactly how each variable impacts your monthly payment and total interest paid.
✅ Make Informed Decisions
Use our calculators during your mortgage shopping process to evaluate lender offers and determine if refinancing makes financial sense.
How to Use These Calculators
- 1.Choose Your Calculator: Select the calculator that matches your situation (payment, refinance, affordability, etc.)
- 2.Enter Your Information: Input your loan details, income, debts, or other relevant information
- 3.Review Results: Examine the detailed breakdown and analysis of your mortgage scenario
- 4.Explore Scenarios: Try different values to see how changes affect your results
- 5.Use for Shopping: Share results with lenders or use them to evaluate mortgage offers
Calculator Types Available
Payment & Affordability
- • Mortgage Payment Calculator - Calculate monthly payments
- • Affordability Calculator - Determine your budget
- • DTI Calculator - Check your debt-to-income ratio
Refinancing & Savings
- • Refinance Calculator - Calculate refinancing savings
- • Payoff Calculator - See early payoff scenarios
- • Amortization Calculator - View payment breakdown
FHA vs Conventional Calculator
Find your winner in 60 seconds. Compare FHA and Conventional loans side-by-side. See which saves you more money over 15-30 years.
Compare Loans →How Much House Can I Afford?
Calculate based on REAL life expenses. Includes daycare, commuting, HOA, maintenance. Get your true affordable home price.
Calculate Now →Mortgage Rates Forecast 2026
Weekly updated forecast from 10 experts. See when rates will drop. Know when to lock your rate for maximum savings.
View Forecast →PMI Calculator
Calculate your monthly PMI payment, total cost, and when you can remove it. See how much you're paying in mortgage insurance.
Calculate PMI →Extra Payment Calculator
See how much you save by making extra mortgage payments. Calculate payoff time and total interest savings.
Calculate Savings →Biweekly Payment Calculator
See how much you save by paying every 2 weeks instead of monthly. Calculate interest savings and early payoff date.
Calculate Biweekly →Refinance Break-Even Calculator
Calculate your exact break-even point, monthly savings, and lifetime savings. See if refinancing makes sense.
Calculate Break-Even →Online Mortgage Payment Calculator
Calculate monthly mortgage payments with taxes, insurance, and PMI. Get instant, accurate payment estimates for your home loan.
Calculate Payment →Mortgage Payment Payoff Calculator
See how extra payments can save thousands in interest and pay off your mortgage years early. Calculate your payoff strategy.
Calculate Payoff →DTI Calculator
Calculate your debt-to-income ratio instantly and understand your mortgage qualification status. Get personalized advice to improve your DTI for better loan approval.
Calculate DTI →Mortgage Calculator
Calculate your monthly mortgage payments based on loan amount, interest rate, and term. See a breakdown of principal, interest, taxes, and insurance.
Use CalculatorAffordability Calculator
Find out how much house you can afford based on your income, expenses, and down payment. Get a realistic picture of your home buying budget.
Use CalculatorRefinance Calculator
See if refinancing makes sense for you by comparing your current mortgage with new options. Calculate potential savings and break-even points.
Use CalculatorAmortization Calculator
View a complete amortization schedule showing principal and interest payments over time. See how extra payments can reduce your loan term and interest costs.
Use Calculator🏠 Reverse Mortgage Calculator 2026
Turn your home equity into cash! Get $200K+ with no monthly payments. See 30-year projections and interactive charts showing exactly how much you can access.
Calculate Cash Amount →Balloon Mortgage Calculator
Calculate balloon mortgage payments with lower monthly costs and flexible terms for short-term financing. Perfect for investors and those planning to sell or refinance before the balloon payment.
Use CalculatorCommercial Mortgage Calculator
Calculate commercial real estate financing with DSCR analysis and investment property loan terms. Analyze cash flow requirements and loan-to-value ratios for business properties.
Use CalculatorWhy Use Our Mortgage Calculators?
Our mortgage calculators are designed to help you make informed decisions about your home loan. Here's why you should use them:
- Accuracy: Our calculators use the same formulas that lenders use to determine your mortgage payments.
- Transparency: See a detailed breakdown of your payments, including principal, interest, taxes, and insurance.
- Flexibility: Adjust variables like loan amount, interest rate, and term to see how they affect your payments.
- Visualization: View charts and graphs that help you understand your mortgage costs over time.
- No Cost: All of our calculators are completely free to use, with no registration required.
Whether you're a first-time homebuyer, looking to refinance, or planning your next home purchase, our calculators can help you make the right financial decisions.