Mortgage & Home Calculators

Buying or refinancing a home is the largest financial decision most people ever make, and the numbers move in ways that aren't obvious from the listing price alone. A $400,000 house at 6.5% over 30 years costs roughly $910,000 by the time the final payment clears, and that figure changes by tens of thousands of dollars depending on the down payment, points, PMI, and how long you actually stay in the property.

Our mortgage and home calculators are designed to make those trade-offs concrete. Use the standard mortgage payment calculator to see principal and interest broken out for any combination of rate, term, and down payment. Then layer on property tax, homeowner's insurance, and PMI to see the true monthly carrying cost — the "PITI" number that lenders care about when qualifying you.

Several calculators in this category compare alternatives directly. The biweekly mortgage calculator shows how splitting your monthly payment in half and paying every two weeks can shave four to six years off a 30-year loan. The refinance and home equity tools let you weigh closing costs against monthly savings to find your break-even point. Reverse mortgage, HELOC, ARM, and balloon calculators cover the edge cases that catch homeowners off guard.

Every calculator here uses the standard amortization formula published by the U.S. Consumer Financial Protection Bureau. Property tax estimates are based on national averages; check your county assessor for the precise rate. Mortgage insurance assumes conventional loans — FHA, VA, and USDA loans have their own rules and are noted on individual calculators where relevant. Results are estimates for planning, not loan commitments; the lender's good faith estimate or loan estimate disclosure is the authoritative number for any actual transaction.