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.
Use amortization calculatorPrepayment Calculator
Mix lump sum, extra monthly, and biweekly payments. See how many months and how much interest you save.
Calculate payment15 vs 30 Year Comparison
Compare a 15-year and a 30-year mortgage side by side. See the monthly difference and lifetime interest.
Use 15 vs 30 year comparison calculatorPoints & Rate Buydown Calculator
Model discount points or a temporary 2-1 / 3-2-1 buydown. Break-even, monthly savings, and total subsidy.
Use points & rate buydown 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.
Use pmi drop-off 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.
Use arm calculatorMortgage Recast Calculator
See how a lump-sum payment plus a recast lowers the monthly payment, versus prepaying without recasting.
Use mortgage recast calculatorMost calculators update as you type and save your inputs in your browser. Debt & Refinance Comparison is an unsaved exception: its financial inputs and results stay only in the current tab and disappear when you leave or reload. Numbers are estimates. Talk to a licensed loan officer before making a decision.
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