Mortgage & Real Estate Calculators
Free mortgage calculators: how much house you can afford, 15-year vs 30-year, discount points, biweekly and extra payments, prepayment penalties, and property tax.
Mortgage Discount Points Calculator
Paying discount points lowers your mortgage rate — but the upfront cost only pays off if you keep the loan long enough. This calculator shows your break-even point in months and years.
Biweekly Mortgage Payment Calculator
Paying half your mortgage every two weeks adds up to one extra full payment a year — cutting years off your loan and thousands in interest. This calculator shows the exact difference.
Mortgage Prepayment Penalty Calculator
Some mortgages charge a penalty if you pay off or refinance early. This calculator estimates the cost using the two most common formulas: a percentage of the balance or a set number of months of interest.
15-Year vs 30-Year Mortgage Calculator
A 15-year mortgage costs more per month but saves tens of thousands in interest. This calculator lays out the exact trade-off for your loan amount and rates.
Property Tax Calculator
Property tax is typically the second-biggest homeownership cost after the mortgage. This calculator estimates your annual and monthly tax from your home's value and your local rate.
How Much House Can I Afford Calculator
Lenders want your housing costs under 28% of gross income and total debts under 36%. This calculator uses those rules plus your down payment and rate to find your realistic home price.
Mortgage Extra Payment Calculator
A modest extra payment every month can shave years off your mortgage and save tens of thousands in interest. This calculator shows the exact numbers for your loan.
Rent Affordability Calculator
Landlords typically want rent at or below 30% of your gross income. This calculator applies that rule plus the 36% total-debt guideline to your real numbers.
Debt-to-Income Ratio Calculator
Your debt-to-income (DTI) ratio is the single biggest number lenders check when you apply for a mortgage. This calculator works out your front-end and back-end ratios and grades them against lender benchmarks.
Closing Costs Calculator
Closing costs are the fees you pay to finalize a home purchase — usually 2–5% of the price, on top of your down payment. This calculator estimates your total and shows a typical breakdown.
Rent vs Buy Calculator
The rent-versus-buy decision is a wealth comparison, not just a monthly payment comparison. This calculator models both paths over your planned time horizon and shows which leaves you with more money.
Mortgage Payment Calculator
Your real mortgage payment is PITI — principal, interest, taxes, and insurance — not just the loan payment the bank advertises. This calculator shows the complete monthly cost for any loan.
HELOC Payment Calculator
A home equity line of credit usually charges interest-only payments during the draw period — which hides how much the debt really costs. This calculator shows the true monthly bill.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Official figures: IRS.gov.