Free Loan & Mortgage Calculators
Payments, amortisation, affordability and refinance maths — including the break-even points that lenders rarely put in front of you.
45 free tools · no signup
15 vs 30 Year Mortgage Calculator
Compare monthly payments and total interest between a 15-year and 30-year mortgage side by side.
ARM vs Fixed Calculator
Compare a 5/1 ARM against a fixed-rate mortgage over your expected time in the home.
Balloon Loan Calculator
Find your low monthly payment and the exact lump-sum balloon amount due at your loan's balloon date.
Biweekly Mortgage Calculator
See how switching to biweekly payments saves interest and shortens your mortgage term.
Boat Loan Calculator
Calculate your monthly boat loan payment, total interest, and total cost in seconds.
Bridge Loan Calculator
Calculate the monthly interest, origination fee, and total cost of a short-term bridge loan.
Business Loan Calculator
Calculate the monthly payment and total interest on a business term loan.
Closing Cost Calculator
Itemize the closing costs on a home purchase, from origination fees to prepaid taxes.
Construction Loan Calculator
Estimate interest-only construction draws and the permanent mortgage payment after your build.
Debt Refinance Calculator
Compare a loan against a refinance offer: new payment, saving, and break-even month.
Extra Mortgage Payment Calculator
See how much time and interest you save by paying extra toward your mortgage principal.
FHA Loan Calculator
Calculate your FHA monthly payment including upfront and annual mortgage insurance (MIP).
HELOC Calculator
Estimate your available home equity line of credit and interest-only monthly payment.
Home Equity Loan Calculator
Estimate your available equity loan amount, fixed monthly payment, and total interest.
Home Improvement Loan Calculator
See your monthly payment, total interest, and total cost for any home renovation loan.
Home Value Estimate Calculator
Estimate your home's value from square footage and comparable price per square foot.
House Affordability Calculator
Find the home price you can comfortably afford using the lender-trusted 28/36 rule.
Interest-Only Mortgage Calculator
Calculate your interest-only payment now and your higher amortizing payment once the interest-only period ends.
Jumbo Loan Calculator
Calculate your monthly payment and total interest on a jumbo mortgage above the conforming loan limit.
LTV Calculator
Calculate your loan-to-value ratio and see whether PMI is required.
Land Loan Calculator
Estimate the monthly payment and total cost of financing a raw or improved land purchase.
Loan Payoff Calculator
See how long until your loan is paid off and how much an extra monthly payment could save you.
Mortgage Amortization Calculator
See your monthly payment, total interest, and how principal vs. interest shifts over your loan.
Mortgage Calculator
Calculate your full monthly mortgage payment with taxes, insurance, HOA, and PMI.
Mortgage DTI Calculator
Calculate your front-end and back-end debt-to-income ratios for a mortgage.
Mortgage Escrow Calculator
Estimate your monthly escrow payment for taxes, insurance, and PMI plus your cushion deposit.
Mortgage Interest Deduction Calculator
Estimate your annual tax savings from deducting mortgage interest under IRS rules.
Mortgage Payoff Calculator
See how much interest extra monthly payments save and how many months they cut off your mortgage.
Mortgage Points Calculator
See exactly how long it takes discount points to pay for themselves in lower monthly payments.
Mortgage Prequalification Calculator
Estimate the mortgage loan amount you may prequalify for based on income and credit tier.
Mortgage Recast Calculator
Calculate your new lower monthly payment after a lump-sum mortgage recast.
Mortgage Refinance Calculator
Compare your current mortgage to a new refinanced loan and see monthly savings and break-even point.
Motorcycle Loan Calculator
Calculate your monthly motorcycle loan payment, total interest, and total cost in seconds.
PMI Calculator
Estimate your monthly private mortgage insurance cost and when it drops off.
Personal Loan Calculator
Estimate your monthly payment, total interest, and true effective APR on a personal loan.
RV Loan Calculator
Calculate your monthly RV loan payment, total interest, and total cost in seconds.
Refinance Break-Even Calculator
Find out how many months it takes to recoup your mortgage refinance closing costs.
Refinance Savings Calculator
Estimate your total lifetime interest savings from refinancing to a lower mortgage rate.
Rent Affordability Calculator
Find your recommended max monthly rent based on income and debts, using the 30% rule.
Rent vs Buy Calculator
Compare total renting vs buying costs over your time horizon, including equity and appreciation.
Reverse Mortgage Calculator
Estimate how much cash a reverse mortgage could provide based on your age and home equity.
SBA Loan Calculator
Estimate your SBA 7(a) loan payment, guarantee fee, and total cost.
Second Mortgage Calculator
Estimate your available second mortgage amount and monthly payment based on combined LTV.
USDA Loan Calculator
Estimate your USDA rural loan monthly payment including the upfront and annual guarantee fee.
VA Loan Calculator
Estimate your VA loan monthly payment with $0 down, no PMI, and the VA funding fee included.
The amortisation reality
Early mortgage payments are mostly interest, and that split changes slowly. Seeing the schedule is what makes the case for an extra payment concrete: a single additional payment early in the term removes far more total interest than the same payment made years later. The amortisation and extra-payment tools show that directly.
Break-even is the number that decides a refinance
A lower rate is not automatically worth taking. Closing costs have to be recovered from the monthly saving before the refinance is ahead, and if you move or refinance again before that month arrives, it cost you money. The refinance tools put the break-even month on screen as the headline figure rather than burying it.
Affordability versus approval
What a lender will approve and what leaves you comfortable are different numbers, and the gap between them is where most financial stress originates. These calculators show the debt-to-income ratio alongside the payment so both are visible at once. Rates are inputs, never assumptions, and every page states that its output is a planning estimate rather than a lending decision.
