Every tool you need to make smarter home-buying and financing decisions — completely free, no sign-up required.
Tools to help you figure out your monthly payment, how much home you can afford, and what rate to expect.
Calculate your monthly mortgage payment including principal, interest, taxes, insurance, and PMI. See a full amortization schedule and interactive breakdown chart. The essential starting point for any home purchase.
Open Calculator →Find out how much house you can afford based on your income, debts, down payment, and local tax rates. Uses standard lender DTI ratios (28/36 rule) to give you a realistic maximum purchase price and monthly budget.
Open Calculator →Set a target home price and compare how different down payment percentages (3%–25%) affect your loan amount, monthly payment, and PMI. Then build a month-by-month savings plan with compound interest to reach your goal.
Open Calculator →Estimate the interest rate you'll be offered based on your credit score, down payment, debt-to-income ratio, loan type, term, and property type. See how improving any factor could lower your rate and save you money.
Open Calculator →Already have a mortgage? These tools help you evaluate refinancing, extra payments, and discount points.
Compare your current mortgage to a new refinance offer side by side. See your monthly savings, total interest saved, and exactly when you'll break even on closing costs. Includes a visual timeline showing cumulative savings over time.
Open Calculator →See how making additional monthly, yearly, or one-time payments accelerates your payoff and reduces total interest. Compare the original schedule to the accelerated one with an interactive chart showing years saved and dollars kept.
Open Calculator →Should you buy discount points to lower your rate? Enter your loan details, the points cost, and the rate reduction to find your break-even month. See a clear comparison of total costs with and without points over any time horizon.
Open Calculator →Dig deeper into your mortgage with detailed schedules, rent-vs-buy comparisons, and live rate data.
Generate a complete amortization schedule showing every payment broken down by principal, interest, and remaining balance. Toggle between monthly and yearly views, visualize the payoff with interactive charts, and export the full schedule to CSV.
Open Calculator →Compare the true long-term cost of renting versus buying over 5–30 years. Factors in home appreciation, rent increases, tax deductions, investment returns on savings, and all ownership costs to show which option builds more wealth.
Open Calculator →View current mortgage rates for 30-year fixed, 15-year fixed, 5/1 ARM, FHA, VA, and jumbo loans — updated weekly from Federal Reserve (FRED) data. Includes a historical rate chart and a side-by-side rate scenario comparison tool.
View Rates →