Free Mortgage Calculator Suite
Estimate, compare, and stress-test mortgage scenarios before you begin a full application.
Start Your Application Educational estimates No registration Mobile responsiveA guided planning system
Start with the stage that matches your goal, then open any tool to adjust inputs and compare scenarios.
Plan a purchase
Start with payment, price range, and the total cost of owning.
Monthly Payment
Estimate principal, interest, taxes, and insurance.
Open calculatorAffordability
Explore a planning-level home-price range.
Open calculatorRent vs. Buy
Compare simplified multi-year housing costs.
Open calculatorReal Cost of Ownership
Add maintenance, utilities, and association dues.
Open calculatorCompare financing
Evaluate structure, pricing assumptions, and repayment choices.
Fixed vs. ARM
Compare fixed and adjustable payment structures.
Open calculatorDiscount Points
Estimate a simple points break-even period.
Open calculatorTemporary Buydown
Illustrate a common 2-1 payment structure.
Open calculatorAPR to APY
Convert nominal APR with a compounding assumption.
Open calculatorReview an existing home
Model refinance timing, equity, taxes, and faster payoff strategies.
Build, move, or invest
Explore specialty budgets and alternative-documentation illustrations.
Construction
Build a land, contract, and contingency budget.
Open calculatorVA Construction
Add a VA funding-fee planning assumption.
Open calculatorBridge Loan
Model eligible equity and simple term interest.
Open calculatorDSCR
Estimate rental-property coverage.
Open calculatorNon-QM Analyzer
Compare alternative income illustrations.
Open calculatorHome Sale Gain
Start a tax-planning conversation.
Open calculator