Mortgage Calculators: Plan Your Home Purchase

Free mortgage calculators to estimate payments, compare refinance options, check affordability, and plan your homebuying budget. No personal information required.

Choose a Calculator

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Mortgage Calculator

Estimate your monthly mortgage payment based on home price, down payment, interest rate, and loan term. Includes taxes and insurance.

Calculate Payment

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Refinance Calculator

See how much you could save by refinancing. Compare your current loan to a new rate and find your break-even point on closing costs.

Check Savings

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Affordability Calculator

Find out how much house you can afford based on your income, debts, down payment, and local tax rates. Get a realistic budget.

Check Affordability

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Amortization Schedule

View a full month-by-month breakdown of principal, interest, and remaining balance over your entire loan term.

View Schedule

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DTI Calculator

Calculate your debt-to-income ratio — one of the most important numbers lenders look at. See if you meet qualification thresholds.

Calculate DTI

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FHA Calculator

Estimate your FHA loan payment including upfront and annual mortgage insurance premiums (MIP). See total FHA loan costs.

Calculate FHA

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VA Calculator

Calculate your VA loan payment with zero down. Includes the VA funding fee and shows savings compared to conventional financing.

Calculate VA

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Rent vs. Buy

Compare the true cost of renting versus buying over time. Factor in appreciation, tax benefits, and opportunity cost of your down payment.

Compare Now

How to Use Our Mortgage Calculators

Our free calculators help you make informed decisions about one of the biggest financial commitments of your life. Whether you're buying your first home, refinancing, or comparing loan types, these tools give you the numbers you need — no personal information or sign-up required.

Tips for Accurate Estimates

1

Use Today's Rates

Check our daily rate page for current rates. Using accurate rates gives you realistic payment estimates.

2

Include All Costs

Don't forget property taxes, homeowner's insurance, HOA fees, and PMI. These can add $500-$1,500+ to your monthly payment.

3

Compare Scenarios

Run multiple calculations with different down payments, loan terms, and rates. Small changes can mean thousands saved over the life of your loan.

Understanding Your Results

Calculator results are estimates based on the information you provide. Your actual mortgage payment, qualification, and costs may vary based on your credit score, lender fees, exact property taxes, and other factors. Always get pre-approved with a lender for precise numbers.

For current mortgage rates to use in your calculations, visit our Today's Mortgage Rates page, updated daily with data from Optimal Blue and Freddie Mac.