Home Finance Calculators
Every stage of owning a home, from working out what you can afford to paying off the loan early. Pick a tool, or start with the mortgage calculator.
Buying
Home Affordability CalculatorMax home price from income, debts and down payment (28/36 rule).Down Payment CalculatorCash needed at closing and months to save it.Closing Cost CalculatorItemized closing costs, prepaids and cash to close.Rent vs Buy CalculatorYear-by-year net worth of buying versus renting and investing.Debt-to-Income (DTI) CalculatorFront- and back-end DTI against lender limits.
Your mortgage
Mortgage CalculatorFull monthly payment with PMI, taxes, insurance, HOA and amortization.FHA Loan CalculatorFHA payment with upfront and annual MIP.PMI CalculatorMonthly PMI and the dates it can be removed.Property Tax CalculatorAnnual property tax by state effective rate.15 vs 30 Year MortgagePayment and interest, shorter vs longer term.Mortgage Points CalculatorBreak-even on buying down your rate.Amortization CalculatorMonth-by-month schedule with CSV download.
After you buy
Refinance CalculatorBreak-even month and lifetime savings of a new loan.Mortgage Payoff CalculatorNew payoff date and interest saved by paying extra.Biweekly Mortgage CalculatorSavings from paying half every two weeks.Home Equity & HELOC CalculatorBorrowing room and HELOC vs home equity loan payments.Loan-to-Value (LTV) CalculatorLTV, CLTV and the paydown to 80%.