Free tools
Mortgage calculators
Six calculators, each with its own page, its own charts and a full schedule you can actually read. Nothing to sign up for.
Mortgage Payment Calculator
Principal, interest, tax, insurance, HOA and PMI — itemised.
What will this house actually cost me every month?
Open calculatorAmortisation Schedule Calculator
Every payment, month by month or year by year, with running totals.
How does the split between interest and principal move over time?
Open calculatorHome Affordability Calculator
Income, debts and DTI turned into a defensible price range.
How much house can I carry — and which limit binds first?
Open calculatorRefinance Break-even Calculator
New rate against closing costs, and the month it pays back.
Does refinancing pay, and when exactly?
Open calculatorExtra Payment Calculator
One-off and recurring overpayments against interest and months saved.
What does an extra $200 a month actually buy me?
Open calculatorRent vs Buy Calculator
Both paths over a holding period, with every assumption exposed.
Over the years I plan to stay, which comes out ahead?
Open calculator
This calculator provides estimates for educational purposes only. Results are not a Loan Estimate, pre-approval, or commitment to lend, and may not reflect taxes, insurance, HOA dues, or other costs. Contact a loan officer for an accurate quote.
How these are built
No gimmicks, and no hidden arithmetic
A calculator that will not show its working is asking to be believed. These show theirs.
Standard amortisation, shown in full
Every payment schedule on this site comes from the same arithmetic a servicer uses, and you can read the whole table rather than take the summary on trust.
The assumptions are on the page
Each calculator lists what it took for granted, in plain words, next to the number it produced. If an assumption does not match your situation you can see that immediately.
Results are a link
Your inputs live in the address bar, so a copied link reproduces exactly what you were looking at — useful when you want a partner, an agent or a loan officer to see the same screen.
Numbers look right? Get them checked.
A loan officer prices your actual file — your credit, your county, your programme — instead of a national average.