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Mortgage and money calculators

23 free calculators, explained in plain English: mortgage payments and amortization, refinancing, affordability, debt-to-income, rent vs. buy, investing, credit, debt payoff, budgeting and retirement. Results are educational estimates, not quotes or approvals.

Kitchen table with a mortgage statement, house keys and a calculatorFeaturedMortgage payment and amortization calculatorYour full monthly payment, the amortization schedule, and what extra payments do to your payoff date and lifetime interest.Open calculatorTwo mortgage documents side by side with a calculator, the home's backyard beyondFeaturedRefinance comparison calculatorYour current loan against a new one: payment change, the break-even month on closing costs, and total interest each way.Open calculator

Home & mortgage

Kitchen table with a mortgage statement, house keys and a calculatorMortgage payment and amortization calculatorYour full monthly payment, the amortization schedule, and what extra payments do to your payoff date and lifetime interest.Open calculatorTwo mortgage documents side by side with a calculator, the home's backyard beyondRefinance comparison calculatorYour current loan against a new one: payment change, the break-even month on closing costs, and total interest each way.Open calculatorSmall model house on a stack of coins beside a calculatorHome affordability calculatorHow much house fits your budget using the 28/36 rule of thumb, with taxes, insurance and your other debts included.Open calculatorBalance scale weighing a model house against bills and credit cardsDebt-to-income (DTI) calculatorThe ratio lenders check first, with your front-end and back-end ratios and a plain-English read on where you stand.Open calculatorSavings jar of coins and bills beside a small model house on a windowsillDown payment goal plannerPick a home price and a saving pace and see the date your down payment fund reaches the goal.Open calculatorApartment building beside a single-family home at golden hourRent vs. buy calculatorYour rent today against the estimated cost of owning, plus the equity you build over the years.Open calculatorTwo rocking chairs and a coffee pot on a garden porchReverse mortgage (HECM) explorerFor homeowners 62 and older: how a HECM could pay you as monthly income, a lump sum, or a line of credit that grows.Open calculatorLaptop with an abstract income chart beside bank statements in a small shopBank statement income calculatorEstimate the qualifying income a lender might use from 12 or 24 months of deposits.Open calculator

Investing

House mid-renovation with tools, sawhorses and fresh paintFix and flip (ARV) analyzerProfit, return on cash and the 70 percent rule check for a flip, with financing, holding and selling costs.Open calculatorHalf-renovated kitchen showing before and afterBRRRR calculatorBuy, rehab, rent, refinance, repeat: cash left in the deal, monthly cash flow and cash-on-cash return.Open calculatorDuplex with an owner's garden patio on one side and a separate rental entranceHouse hacking calculatorLive in one unit and rent the others: what you really pay to live there after the rent comes in.Open calculatorCo-living house hallway with several furnished bedroomsCo-living and rent-by-the-room calculatorRenting by the room against renting the whole house: income, vacancy, extra costs and cash flow.Open calculatorBungalow court of small rental cottages at duskDSCR rental calculatorCheck whether a rental's rent covers its full payment, the ratio DSCR lenders look at.Open calculator

Credit

Credit cards fanned beside a phone showing an abstract gaugeCredit utilization what-ifSee your credit utilization now and after a paydown, with a plain-English read on how it may affect your score.Open calculatorScissors beside a credit card and a calculatorCredit card payoff calculatorHow long minimum payments really take, what they cost in interest, and how a fixed payment changes it.Open calculator

Debt & loans

New car parked in a driveway at golden hourLoan payment calculator (auto and personal)Monthly payment, total interest and a payoff schedule for any fixed-rate installment loan.Open calculatorGraduation cap on a stack of books beside a laptopStudent loan extra payment calculatorHow an extra monthly payment shortens your student loans and how much interest it saves.Open calculatorStack of paid bills with checkmarks and a calendarDebt-free date calculatorUp to five debts, avalanche or snowball, and an extra monthly amount: your debt-free date and total interest.Open calculator

Budgeting

Three glass jars filled with different amounts of coins50/30/20 budget splitterSplit your take-home pay into needs, wants and savings, and see where your housing payment fits.Open calculatorBudget planner notebook with colorful tabs, a pen and a calculatorBudget builder: find your surplusAdd up income and expenses by category to find your monthly surplus and your savings rate.Open calculatorUmbrella sheltering a piggy bank on a tableEmergency fund calculatorHow big your cushion should be and how long it will take to build it.Open calculator

Save & retire

Plant sprouting from rising stacks of coinsCompound growth calculatorWhat your savings could grow to with regular contributions and compound returns.Open calculatorSailboat on a calm ocean at sunsetRetirement projection calculatorProject your nest egg at retirement and a rough annual income it could support.Open calculator

Every tool is an educational estimate built on the numbers you enter and widely used rules of thumb. It is not a loan offer, rate quote, credit score prediction or individualized financial advice. A licensed loan officer can run your real numbers.