Mortgage Calculators
Our free mortgage calculators help you make informed decisions about home loans, refinancing, and affordability. Choose a calculator below to get started.
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
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 2025
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.