Mortgage Calculators
Each one shows the arithmetic it uses and a worked example, so you can check the answer, not just read it.
Affordability Calculator
Estimate the home price your income supports from your income, monthly debts, down payment and rate, using the debt-to-income limits lenders actually apply.
Open →Points Break-Even Calculator
See how many months it takes for a lower rate bought with discount points to pay back its cost, and whether that beats how long you expect to keep the loan.
Open →Debt-to-Income Calculator
Work out your front-end and back-end debt-to-income ratios the way an underwriter does, and see how much monthly debt you could add or need to clear.
Open →Rent vs Buy Calculator
Compare the total cost of renting against owning over the years you plan to stay, counting interest, taxes, insurance, upkeep, selling costs and the equity you build.
Open →PMI Calculator
Estimate monthly private mortgage insurance from your loan-to-value and an annual premium rate, and see when the balance reaches the levels at which PMI can be cancelled.
Open →Refinance Break-Even Calculator
How many months of savings it takes to cover the cost of a refinance, and whether that beats how long you will keep the loan.
Open →