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Mortgage and Home Buying Calculators
Every calculator shows its formula, runs in your browser, and never asks for your name or phone number.
Start here
The two tools most people need first.
Planning to buy
Work out what you can afford and whether buying beats renting.
Debt-to-incomeCalculate your front-end and back-end debt-to-income ratios and see how they compare with common mortgage limits, plus how much more debt you could take on.Down paymentSee how long it takes to save 3%, 5%, 10% and 20% down on a home, and how each down payment changes your monthly payment and mortgage insurance.Rent vs buyCompare the net worth of buying a home with renting and investing the difference over the years you will stay, with every assumption shown and adjustable.
Loans and refinancing
Compare loan types, rates and payoff strategies.
Amortization scheduleSee every payment split into principal and interest, the balance by year, and how extra payments shorten the loan. Download the full schedule as CSV.Extra paymentSee how much interest and time you save by paying extra each month or making a one-time lump-sum payment toward your mortgage principal.Refinance break-evenFind out how many months it takes for a lower rate to repay your refinance closing costs, and whether refinancing saves money over the time you will stay.APRCalculate the APR of a mortgage including discount points and lender fees, and see how it differs from the interest rate on your note.ARMSee the payment on an adjustable-rate mortgage during the fixed period, after the first adjustment, and in the worst case allowed by the rate caps.FHA loanEstimate an FHA loan payment with the 1.75% upfront premium, the annual mortgage insurance premium, taxes and insurance. See what 3.5% down means for your payment.VA loanEstimate a VA loan payment including the funding fee, taxes and insurance. See the effect of first use, repeat use, and down payment, with no monthly mortgage insurance.USDA loanEstimate a USDA loan payment with the 1% upfront guarantee fee and the 0.35% annual fee, plus taxes and insurance, for eligible rural and suburban homes.
Costs and insurance
The extra costs that sit on top of the price.
PMIEstimate private mortgage insurance for your down payment, see when you can drop it at 80% and when it ends automatically at 78%, and how much more down avoids it.Closing costsEstimate closing costs as 2% to 5% of the price, add discount points, and see the total cash you need at closing with your down payment.