Mortgage Calculators
Browse our comprehensive collection of mortgage calculators for payments, affordability, refinance, amortization, FHA/VA, closing costs, and more. Free online tools for homebuyers, homeowners, and real estate professionals.
Mortgage Payment Calculator
Calculate monthly mortgage payments including principal, interest, taxes, and insurance (PITI).
paymentInterest-Only Mortgage Calculator 2026
Calculate payments for interest-only mortgage periods with principal due later.
paymentHome Affordability Calculator
Determine how much home you can afford based on income, debts, and down payment.
affordabilityDebt-to-Income (DTI) Calculator
Calculate your debt-to-income ratio for mortgage qualification.
affordabilityDown Payment Calculator
Calculate how much down payment you need and its impact on monthly payments.
affordabilityRent vs Buy Calculator
Compare the costs of renting versus buying a home.
affordabilityMortgage Pre-Approval Estimator
Estimate the mortgage amount you may be pre-approved for.
affordabilityRefinance Savings Calculator
Calculate monthly savings and total interest savings from refinancing your mortgage.
refinanceCash-Out Refinance Calculator
Calculate the new loan amount and payments for a cash-out refinance.
refinanceBreak-Even Point Calculator
Find the break-even point for refinancing costs versus savings.
refinanceAmortization Schedule Calculator
Generate a complete amortization schedule with monthly payment, interest, and principal.
amortizationFHA Loan Payment Calculator 2026
Calculate monthly payments for FHA loans including upfront and annual MIP.
fhavaVA Loan Payment Calculator 2026
Calculate monthly payments for VA loans with funding fee and no PMI.
fhavaClosing Cost Estimator
Estimate total closing costs for purchasing or refinancing a home.
closingMortgage Points Calculator
Calculate the impact of buying discount points to lower your interest rate.
closingEscrow Account Calculator
Calculate monthly escrow payments for taxes and insurance.
closingHome Equity Loan Calculator 2026
Calculate payments and total cost for fixed-rate home equity loans.
equityHELOC Payment Calculator
Calculate payments for Home Equity Lines of Credit (HELOC) during draw and repayment periods.
equityWhat Are Mortgage Calculators?
Our Mortgage Calculators collection provides a comprehensive suite of tools for homebuyers, homeowners, and real estate professionals to make informed decisions about home financing. Whether you're calculating monthly payments, determining affordability, comparing loan types, or planning a refinance, these calculators deliver accurate results with clear, actionable insights.
From payment estimation and affordability analysis to refinance planning, amortization schedules, FHA/VA loan analysis, closing cost estimation, and home equity management, our tools cover every aspect of the mortgage process.
How to Use This Directory
- Search: Type a keyword into the search bar to find specific calculators by name or description.
- Filter by Category: Use the dropdown to narrow down to a specific mortgage topic — each option shows the number of tools available.
- Click to Use: Each card links directly to the tool. Click on any card to start your mortgage calculation instantly.
- Explore Category Pages: Use the "Explore More Financial Calculators" section to access dedicated pages for other financial topics.
Why Use Our Mortgage Calculators?
- Comprehensive Coverage: Covers payment, affordability, refinance, amortization, FHA/VA, mortgage types, closing costs, and home equity.
- Accurate & Reliable: Uses precise financial formulas and lending standards.
- Free & Accessible: No registration, no fees — use any tool instantly on any device.
- Educational: Many tools show the formulas and principles behind the calculations.
- Professional & Personal Use: Designed for homebuyers, homeowners, real estate agents, and mortgage professionals.
❓ Mortgage Calculators FAQ
What types of mortgage calculations can I perform?
You can calculate monthly payments (PITI), affordability, refinance savings, amortization schedules, FHA/VA loan payments, closing costs, home equity availability, and compare different mortgage types (fixed, ARM, 15-year vs 30-year).
How do I calculate my monthly mortgage payment?
Use our Mortgage Payment Calculator. Enter the loan amount, interest rate, term, and property details to get your PITI payment.
How do I determine how much house I can afford?
Use our Home Affordability Calculator. Enter your income, debts, down payment, and other factors to see the maximum home price you can afford.
How do I calculate refinance savings?
Use our Refinance Savings Calculator. Enter your current loan details and new loan details to see monthly and total interest savings.
What is an amortization schedule?
An amortization schedule shows each payment broken down into principal and interest over the life of the loan. Use our Amortization Schedule Calculator to generate one.
How do I calculate FHA mortgage insurance?
Use our FHA MIP Calculator. Enter the loan amount, term, and down payment to calculate upfront and annual MIP.
What are closing costs and how do I estimate them?
Closing costs include fees for appraisal, title search, origination, and more. Use our Closing Cost Estimator for an approximate total.
Are these calculators suitable for professional real estate use?
Yes, our calculators use accurate financial formulas and are suitable for real estate agents, mortgage brokers, and financial advisors.
How often are mortgage calculators updated?
We regularly update our calculators to reflect current lending guidelines and rates. If you have a suggestion, please contact us.
Can I use these calculators to plan for a home purchase?
Absolutely. Our affordability, payment, and down payment calculators are designed to help you plan your home purchase budget.