Mortgage & Home Calculators
Estimate your monthly payment, see the full amortization schedule, compare a refinance, or figure out whether renting or buying makes more sense for your budget. Every calculator below shows its full math, not just a final number.
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All guides →Frequently asked questions
What's included in the monthly payment estimate?
Principal and interest by default. Add property tax, homeowners insurance, PMI, and HOA dues in the advanced options for a full PITI payment.
How accurate is the amortization schedule?
It uses the standard fixed-rate amortization formula with your exact rate and term, so it lines up with what a lender would show you for the same inputs.
Does the mortgage calculator account for extra payments?
Yes — add a recurring monthly or yearly extra payment, or a one-time lump sum, and see the new payoff date and interest saved.
How much house can I actually afford?
Use the House Affordability calculator, which weighs your income, existing debts, down payment, and target debt-to-income ratio rather than just your desired loan amount.
Is renting or buying better for me?
The Rent vs. Buy calculator compares net worth over time under each path, accounting for opportunity cost, appreciation, and the costs unique to owning.
Does refinancing always save money?
Only if the interest saved over the time you'll keep the loan outweighs closing costs. The Refinance calculator shows your break-even month so you can judge that directly.