Mortgage Calculators & Tools

Free mortgage calculators and tools to check a Loan Estimate, compare offers and explore loan numbers.

Affordability & Planning

Figure out what you can afford, how much to save, and what your debt-to-income ratio looks like before you apply.

Find out how much home you can qualify for based on your income, debts, and down payment.

See your required down payment, whether PMI applies, and how long it takes to save your goal.

Calculate your DTI ratio and understand how lenders evaluate your ability to repay.

Understand your monthly payment and every fee involved in getting a mortgage — from origination to closing.

Calculate your monthly principal, interest, taxes, and insurance for any loan scenario.

Estimate lender fees, title costs, state transfer taxes, and prepaids before you close.

Find the effective APR on a mortgage by factoring in origination fees and discount points.

Generate a full payment-by-payment breakdown and export the entire table as a CSV.

Decide whether refinancing pencils out and see how extra payments change your payoff date.

Compare your current mortgage to a new one and find exactly when you break even.

See how much interest you save and how much sooner you pay off with extra payments.

Check a single Loan Estimate, compare offers over your own timeline, or weigh buying a home against renting.

Understand one Loan Estimate, check the numbers and prepare questions for your lender.

Compare your own Loan Estimates, closing costs and mortgage insurance over the years you expect to keep the loan.

Review final mortgage costs, compare them with a Loan Estimate, and prepare questions before signing.

Compare the true long-term financial cost of buying versus renting over any time horizon.