Mortgage payment and affordability tools. Browse our free mortgages tools below — all calculators are instant, accurate, and require no sign-up.
15-Year vs 30-Year Mortgage Comparison Calculator — Compare 15-year vs 30-year mortgage payments, total interest, and savings side by side. See how much you save with a shorter term and decide which is right for you.
Adjustable-Rate Mortgage (ARM) Calculator — Calculate ARM payments through the intro period and after each rate adjustment. See potential payment shock and compare total cost vs a fixed-rate mortgage.
Amortization Schedule Calculator — Generate a full amortization schedule showing each payment broken down into principal and interest. Supports monthly and biweekly frequencies.
ARM Adjustment Calculator — Calculate your new ARM payment after the fixed period ends. See worst-case, expected, and best-case scenarios with rate caps and remaining balance.
Balloon Mortgage Calculator — Calculate your balloon mortgage payment and the large lump sum due at maturity. See the balloon balance, amortization during the term, and total interest cost.
Biweekly Mortgage Payment Calculator — Calculate how biweekly mortgage payments save interest and shorten your loan term. See years saved and total interest reduction compared to monthly payments.
Bridge Loan Calculator — Calculate bridge loan costs including interest-only payments, origination fees, and total financing cost. See the true price of bridging the gap between home purchases.
Construction Loan Calculator — Calculate construction loan interest costs during the build phase with multiple draws. See interest-only payments, total construction cost, and permanent loan transition.
Escrow Payment Calculator — Calculate your monthly escrow payment for property taxes, homeowners insurance, and PMI. See escrow analysis with cushion, shortage, and surplus scenarios.
Extra Mortgage Payment Calculator — See how extra mortgage payments reduce your loan term and save interest. Model one-time, monthly, or annual extra payments and compare to your original schedule.
FHA Loan Calculator — Calculate FHA loan payments including upfront and annual mortgage insurance premiums. See total MIP cost and compare FHA vs conventional loan options.
Fixed-Rate Mortgage Calculator — Calculate your fixed-rate mortgage payment, total interest, and amortization schedule. Compare 10, 15, 20, 25, and 30-year fixed loan terms instantly.
HELOC Payment Calculator — Calculate your HELOC payments during the draw period (interest-only) and repayment period (fully amortizing). See total interest cost and payment transitions.
Interest-Only Mortgage Calculator — Calculate interest-only mortgage payments during the IO period and see the payment jump when amortization begins. Compare total cost to a standard mortgage.
Jumbo Loan Calculator — Calculate jumbo mortgage payments for loans above conforming limits. Compare jumbo vs conforming rates and see total cost differences on high-value properties.
Land Contract Payment Calculator — Calculate land contract payments with optional balloon payment. See monthly cost, amortization, total interest, and balloon balance for seller-financed purchases.
Mortgage Calculator — Calculate your monthly mortgage payment, total interest paid, and payoff date. Compare 15 vs 30-year loans and see how extra payments save you thousands.
Mortgage Comparison Calculator — Compare up to 3 mortgage scenarios side by side. See monthly payments, total interest, total cost, and savings to find the best loan option.
Mortgage Insurance Removal Calculator — Calculate when you can remove PMI from your mortgage. Factor in amortization and home appreciation to find your earliest removal date and total savings.
Mortgage Payoff Calculator — Calculate how fast you can pay off your mortgage with extra payments. See the new payoff date, years saved, and total interest saved with lump-sum or recurring extras.
Mortgage Points Break-Even Calculator — Calculate when buying mortgage points pays off. Compare 0, 1, and 2 point scenarios side by side to find your break-even month and total interest savings.
PITI Payment Calculator — Calculate your full PITI mortgage payment — principal, interest, property taxes, and insurance — plus PMI if applicable. See the total monthly housing cost.
PMI Calculator — Calculate your private mortgage insurance (PMI) cost based on loan-to-value ratio and credit score. See when PMI drops off and how much it adds to your monthly payment.
Reverse Mortgage Calculator — Estimate reverse mortgage proceeds based on your age, home value, and interest rate. See how much you could receive as a lump sum, line of credit, or monthly payments.
Second Mortgage Calculator — Calculate your second mortgage payment and combined loan-to-value ratio. See total monthly payments across both loans and combined interest costs.
Seller Financing Calculator — Calculate seller financing payments, total interest earned, and cash flow for both buyer and seller. Model custom terms with optional balloon payment.
USDA Loan Calculator — Calculate USDA loan payments with zero down payment, upfront and annual guarantee fees. Check eligibility requirements and compare costs to FHA and conventional.
VA Loan Calculator — Calculate VA loan payments with the VA funding fee. See zero-down payment options, compare first-use vs subsequent-use fees, and estimate total loan costs.