Mortgage & Home Calculators
Understand your home loan: monthly payments, affordability, refinancing and payoff.
Mortgage calculators help you understand what a home actually costs before you commit. Compare monthly principal and interest payments, estimate how extra payments shorten your loan and reduce total interest, see what price range you can afford, and check whether refinancing is worth the closing costs. Run the numbers with different rates, terms and down payments to make an informed decision.
All calculators
Mortgage Calculator
Estimate your monthly payment, interest and full amortization.
Mortgage Payoff Calculator
How long until your mortgage is paid off — and what an extra payment does.
Refinance Calculator
Compare your current loan against a new rate and term.
Home Affordability Calculator
How much house can you afford based on your income and debts?
Extra Payment Savings Calculator
See how extra monthly payments shorten your mortgage and save interest.
How these calculators work
Mortgage calculators help you understand what a home actually costs before you commit. Compare monthly principal and interest payments, estimate how extra payments shorten your loan and reduce total interest, see what price range you can afford, and check whether refinancing is worth the closing costs. Run the numbers with different rates, terms and down payments to make an informed decision. Every calculator in this category publishes its formula, worked example and assumptions so you can verify the math yourself.
Frequently asked questions
How much home can I afford?
Lenders generally cap housing costs at about 28% of gross monthly income and total debt payments near 36%. The Home Affordability Calculator combines your income, debts, down payment and rate to estimate a safe price range.
Is it worth making extra mortgage payments?
Extra payments reduce principal directly, so they shorten the loan term and can save tens of thousands in interest. Even one extra payment per year can cut years off a 30-year mortgage.
When does refinancing make sense?
Refinancing usually pays off when the new rate is meaningfully lower and you plan to stay in the home long enough for the monthly savings to cover the closing costs — typically 2 to 5 years.