10 calculators in this category
- Mortgage Payment CalculatorAmortised loan formulaThis calculator gives you the number that actually leaves your bank account each month — not just principal and interest, but…
- Mortgage Amortization Schedule CalculatorAmortised loan formula (constant payment, declining balance)An amortization schedule is the month-by-month ledger of a fixed-rate loan: what each payment buys in interest, what it retires…
- Home Affordability Calculator28/36 and FHA 31/43 debt-to-income guidelinesThis calculator works backwards from your paycheck to a purchase price. It applies the two debt-to-income ceilings underwriters…
- Mortgage Refinance Break-Even CalculatorAmortised loan comparison; Regulation Z closing-cost disclosureA refinance is a trade: you pay closing costs now to buy a cheaper payment later. This calculator sets your existing loan…
- Mortgage Extra Payment Payoff CalculatorAmortised loan formula with principal prepaymentExtra principal is the one lever on a fixed-rate mortgage that you control completely. This calculator re-amortises your loan…
- Rent vs Buy CalculatorNet-worth comparison with opportunity cost on invested cashRenting and buying are not two prices to compare — they are two different balance sheets. This calculator runs both forward…
- PMI CalculatorHomeowners Protection Act of 1998 (12 U.S.C. §4901 et seq.)Private mortgage insurance protects the lender, not you, and you pay for it whenever a conventional loan starts above 80% of…
- Mortgage Discount Points Break-Even CalculatorAmortised loan formulaA discount point costs 1% of the loan amount and buys the rate down by a fraction of a percentage point — typically an eighth…
- Biweekly Mortgage Payment CalculatorAmortised loan formulaA biweekly mortgage plan sends half your normal payment every fourteen days. Because a year holds 26 fourteen-day periods…
- HELOC Payment CalculatorRegulation Z open-end credit (12 CFR 1026, Subpart B)A home equity line of credit has two lives. During the draw period you can borrow, repay and re-borrow, and the minimum payment…
Which one do you need?
- Mortgage Payment Calculator
- Calculate your real monthly mortgage payment: principal, interest, taxes, insurance, HOA and PMI. See the amortisation schedule and what extra payments save you.
- Mortgage Amortization Schedule Calculator
- Build the full amortization schedule for any mortgage. See interest and principal per payment, the yearly summary, the payoff date and the crossover month.
- Home Affordability Calculator
- Find the maximum home price your income supports. Applies the 28/36 conventional and 31/43 FHA debt-to-income limits, taxes, insurance and PMI.
- Mortgage Refinance Break-Even Calculator
- Compare your current mortgage with a proposed refinance. Get the new payment, monthly saving, months to recover closing costs and the lifetime interest change.
- Mortgage Extra Payment Payoff Calculator
- See how extra principal shortens your mortgage. Enter a monthly amount, a lump sum or an annual payment and compare payoff date and interest against the baseline.
- Rent vs Buy Calculator
- Compare renting against buying over your real holding period. Tracks equity, appreciation, ownership costs and the invested down payment to a net worth verdict.
- PMI Calculator
- Estimate your monthly private mortgage insurance, the month the balance reaches 80% so you can request cancellation, and the 78% automatic termination point.
- Mortgage Discount Points Break-Even Calculator
- Work out whether paying discount points is worth it. Get the upfront cost, the monthly saving, the break-even month and the net present value of the buydown.
- Biweekly Mortgage Payment Calculator
- See what a biweekly mortgage plan really saves. Compare 26 half-payments a year against your monthly schedule for payoff date, months saved and interest.
- HELOC Payment Calculator
- Calculate your HELOC credit line from CLTV, the interest-only payment during the draw period, and the fully amortising payment once repayment begins.