Mortgage calculators

Free mortgage calculators: monthly payment with taxes and PMI, affordability by DTI, refinance break-even, rent vs buy, HELOC and closing costs by state.

Mortgage payment calculator Principal, interest, taxes, insurance and PMI in one monthly number. Open calculator Home affordability calculator How much house your income supports at different debt-to-income limits. Open calculator Refinance break-even calculator Months until a lower rate pays back your closing costs. Open calculator Rent vs buy calculator Total cost of renting and owning over the years you plan to stay. Open calculator Extra payment and amortization See the schedule, and what extra principal does to interest and payoff date. Open calculator HELOC payment calculator Interest-only draw payments and the jump when repayment starts. Open calculator Closing cost estimator by state Lender, title, recording and transfer-tax costs for your state. Open calculator

How the calculators work

Every calculator runs the same amortization engine in your browser, so results update as you move a slider, and the same maths runs on the server so the page still works with JavaScript switched off. Defaults come from the facts table: the interest rate is Freddie Mac’s latest weekly 30-year average, property tax rates come from the US Census Bureau’s American Community Survey, and insurance and PMI defaults use Freddie Mac’s published averages. Each default shows its source and date next to the field.

Change any input and the page address changes with it, so you can bookmark a scenario or send it to a co-borrower, a loan officer or an agent. Nothing you type is stored on our server.