Run the numbers, then make the call.
A growing library of plain-English mortgage calculators across 6 categories. 27 are live today, with more on the way.
Rate Snapshot for You
See where today's market lands on your loan
Plain-English illustration using the latest national 30-year fixed average. Adjust the inputs to see the monthly principal and interest, plus where today sits in the past quarter and year.
Illustrative monthly P&I
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Where today sits
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Educational illustration only. Uses the most recent FRED 30-year fixed average plus an illustrative credit-tier spread, never an offer, quote, advertisement of a specific rate, or representation of rates available to any individual borrower. Your actual rate depends on your file, your property, and the day you lock.
Discuss your scenarioTop-of-funnel tools for figuring out price, payment, and the rent versus buy question before you make an offer.
Mortgage Payment Calculator
Estimate your full monthly payment including principal, interest, taxes, insurance, HOA, and PMI.
Open calculatorAffordability Calculator
See the home price you can comfortably afford based on income, debts, and target debt-to-income ratio.
Open calculatorClosing Costs Calculator
Estimate the cash you will need at the closing table beyond your down payment.
Open calculatorRent vs Buy Calculator
Compare renting versus buying over 5, 7, and 10 years. Surfaces the breakeven year in plain English.
Open calculatorCan I Qualify?
Walk through the qualification questions a loan officer asks first to get a directional answer.
Open calculatorDTI Calculator
Calculate your front-end and back-end debt-to-income ratios the way a lender would.
Open calculatorTools for evaluating savings, payoff timing, and whether a refinance is worth the closing costs.
Refinance Calculator
Compare your current loan to a new rate-and-term refinance and see lifetime savings.
Open calculatorBreak-Even Calculator
Find the month a refinance pays for itself based on monthly savings versus closing costs.
Open calculatorCash-Out Refinance Calculator
See your new monthly payment, the total interest cost, and a simple stress-level read on the scenario.
Open calculatorTools for thinking through how to access equity without overextending the household.
HELOC Payment Calculator
Estimate the interest-only draw payment and the amortizing repayment payment on a HELOC.
Open calculatorHome Equity Loan Calculator
Estimate the fixed monthly payment and total interest on a second-lien equity loan.
Open calculatorHELOC vs Cash-Out Calculator
Side-by-side comparison of pulling equity with a HELOC versus a cash-out refinance.
Open calculatorUnderwriting tools for real estate investors: rental cash flow, DSCR loan sizing, fix-and-flip ROI, and BRRRR analysis.
DSCR Loan Calculator
Size an investment-property loan off rental income. See PITIA, NOI, DSCR, and cash-on-cash return in one view.
Open calculatorRental Cash Flow Calculator
End-to-end rental analysis: monthly cash flow, cap rate, cash-on-cash, 1% Rule, 50% Rule, GRM, and a projection.
Open calculatorFix & Flip ROI Calculator
Project net profit, ROI, and the 70% Rule Maximum Allowable Offer on a flip, with ARV sensitivity.
Open calculatorBRRRR Calculator
Buy, Rehab, Rent, Refinance: see capital deployed by phase, refi proceeds, and cash-on-cash before and after.
Open calculatorMortgage Credit Impact Simulator
See what moving up a credit-score band changes in rate, monthly payment, and lifetime interest.
Open calculatorMiddle Score Calculator
Find the exact qualifying score lenders will use from your three bureau scores (and your co-borrower's).
Open calculatorUtilization Paydown Simulator
Estimate how paying credit-card balances under common utilization thresholds may move your score band.
Open calculatorMortgage Credit Readiness Simulator
Guided walk-through that combines scores, debts, and timeline into a single readiness verdict.
Open calculatorPower-user tools for digging into amortization, prepayment, points, ARMs, recasts, and the 15 vs 30 trade-off.
Amortization Calculator
See exactly how each payment splits between principal and interest, with a full month-by-month schedule.
Open calculatorPrepayment Calculator
Mix lump sum, extra monthly, and biweekly payments. See how many months and how much interest you save.
Open calculator15 vs 30 Year Comparison
Compare a 15-year and a 30-year mortgage side by side. See the monthly difference and lifetime interest.
Open calculatorPoints & Rate Buydown Calculator
Model discount points or a temporary 2-1 / 3-2-1 buydown. Break-even, monthly savings, and total subsidy.
Open calculatorPMI Drop-Off Calculator
See exactly when your PMI will fall off at the 80% and 78% LTV thresholds, and how extra payments speed it up.
Open calculatorARM Calculator
Model a 5/6, 7/6, or 10/6 SOFR ARM with caps. See the intro payment, first-adjustment payments, and worst case.
Open calculatorMortgage Recast Calculator
See how a lump-sum payment plus a recast lowers the monthly payment, versus prepaying without recasting.
Open calculatorMortgage Payment Calculator
Estimate your full monthly payment including principal, interest, taxes, insurance, HOA, and PMI.
Open calculatorAffordability Calculator
See the home price you can comfortably afford based on income, debts, and target debt-to-income ratio.
Open calculatorClosing Costs Calculator
Estimate the cash you will need at the closing table beyond your down payment.
Open calculatorRent vs Buy Calculator
Compare renting versus buying over 5, 7, and 10 years. Surfaces the breakeven year in plain English.
Open calculatorCan I Qualify?
Walk through the qualification questions a loan officer asks first to get a directional answer.
Open calculatorDTI Calculator
Calculate your front-end and back-end debt-to-income ratios the way a lender would.
Open calculatorSee the Buying hubEvery calculator updates as you type and saves your inputs in your browser, so you can come back later. Numbers are estimates. Talk to a licensed loan officer before making a decision.