Advanced & Tools calculators
Power-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 calculatorEvery 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.
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