Free Mortgage Calculator SuiteMake Smarter Home Financing Decisions
Explore educational mortgage calculators for payments, affordability, refinancing, cash to close, home equity, investment properties, and more. Adjust your assumptions and compare scenarios instantly.
How to Use Our Mortgage Calculators
Learn how to make the most of our free mortgage calculators to make informed home financing decisions.
Monthly Payment Calculator
Estimate a monthly mortgage payment including principal, interest, taxes, insurance, and PMI.
- • Enter home price and down payment
- • Input interest rate and loan term
- • Include property taxes and insurance
- • View detailed amortization schedule
Affordability Calculator
Determine how much house you can afford based on your income, debts, and monthly expenses.
- • Input your annual income
- • List monthly debt payments
- • Specify down payment amount
- • Get maximum home price estimate
Refinance Calculator
Compare your current loan with refinancing options to see potential savings and break-even point.
- • Enter current loan details
- • Input new interest rate
- • Include closing costs
- • Calculate monthly savings
Rent vs Buy Calculator
Compare the estimated costs of renting and buying under the assumptions you enter.
- • Input current rent amount
- • Enter home purchase details
- • Include tax benefits
- • Analyze long-term costs
Pro Tips for Better Results
Use a rate you want to test
Enter a quoted rate or a comparison rate. These tools do not publish a live rate.
Include All Costs
Factor in taxes, insurance, and PMI for realistic estimates
Consider Multiple Scenarios
Test different down payments and loan terms
Export Your Results
Save calculations for future reference and comparison
Frequently Asked Questions
Get answers to common questions about our mortgage calculators
Are your mortgage calculators free to use?
Yes. The calculator tools on this site are free to use and do not require an account.
How accurate are the calculator results?
The results are educational estimates based on standard formulas and the assumptions you enter. They are not a rate quote, credit decision, Loan Estimate, or commitment to lend.
Which mortgage programs can I compare?
Program support varies by calculator. The suite includes tools for conventional, FHA, VA, USDA, jumbo, construction, reverse mortgage, and investment-property scenarios.
Can I export my calculation results?
Export and sharing options vary by calculator. You can also save the assumptions you entered and review them with a federally registered mortgage loan originator.
How often are the calculators updated?
Program-specific calculators identify the limits, guidance, and effective dates they use. Interest rates and other market assumptions should be replaced with values that reflect your scenario.
Do I need to provide personal information?
No account or Social Security number is required to use the calculators. If you choose to contact us, the information you submit is handled under our privacy policy.
Ready to Take the Next Step?
Use our calculators to plan your home financing, then connect with our mortgage team when you would like help reviewing your options.
Disclaimer: Calculator results are estimates only and should not be considered as final loan terms. Actual rates and terms may vary based on credit score, income, and lender requirements. Contact us for personalized mortgage guidance.