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
Calculate payments for interest-only mortgage periods with principal due later.
paymentPrincipal & Interest Calculator
Calculate the principal and interest portion of your mortgage payment.
paymentBiweekly Mortgage Payment
Compare biweekly versus monthly mortgage payments and see savings.
paymentMortgage Payment with Extra Principal
See how extra principal payments shorten your loan and save interest.
paymentMortgage Tax & Insurance Estimator
Estimate property taxes and homeowners insurance for your mortgage payment.
paymentPayment Schedule Breakdown
Generate a payment breakdown showing principal and interest over time.
paymentMortgage Payment Comparison
Compare mortgage payments for different interest rates and terms.
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.
affordabilityIncome Required for Mortgage
Find the income needed to qualify for a specific mortgage amount.
affordabilityRent vs Buy Calculator
Compare the costs of renting versus buying a home.
affordabilityHouse Price Based on Payment
Calculate the maximum home price based on your desired monthly payment.
affordabilityMortgage Pre-Approval Estimator
Estimate the mortgage amount you may be pre-approved for.
affordabilityAffordability by Salary
Determine house affordability based on annual salary and monthly debts.
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.
refinanceRefinance Rate Comparison
Compare current loan with refinance options at different rates.
refinanceRefinance Term Comparison
Compare refinancing to a shorter or longer loan term.
refinanceRefinance vs Home Equity Loan
Compare refinancing with taking out a home equity loan.
refinanceRefinance Closing Costs Estimator
Estimate the closing costs associated with a refinance.
refinanceRefinance Payment Reduction
Calculate how much your monthly payment will decrease with refinancing.
refinanceAmortization Schedule Calculator
Generate a complete amortization schedule with monthly payment, interest, and principal.
amortizationExtra Payment Impact
See how extra payments reduce total interest and shorten loan term.
amortizationInterest vs Principal Breakdown
View the split between interest and principal for each payment over time.
amortizationLoan Balance Over Time Graph
Visualize your mortgage balance reduction over the life of the loan.
amortizationBiweekly Amortization
Generate an amortization schedule with biweekly payments.
amortizationBalloon Payment Amortization
Create an amortization schedule with a balloon payment due at maturity.
amortizationAnnual Amortization Summary
Generate a yearly summary of payments, interest, and remaining balance.
amortizationAmortization with Variable Rates
Create an amortization schedule with changing interest rates over time.
amortizationFHA Loan Payment Calculator
Calculate monthly payments for FHA loans including upfront and annual MIP.
fhavaVA Loan Payment Calculator
Calculate monthly payments for VA loans with funding fee and no PMI.
fhavaFHA MIP Calculator
Calculate upfront and annual mortgage insurance premiums (MIP) for FHA loans.
fhavaVA Funding Fee Calculator
Calculate the VA funding fee based on loan amount and down payment.
fhavaFHA vs Conventional Comparison
Compare FHA loans with conventional mortgages side by side.
fhavaVA vs Conventional Comparison
Compare VA loans with conventional mortgages.
fhavaFHA Streamline Refinance
Calculate savings with FHA Streamline refinance without appraisal.
fhavaVA IRRRL Calculator
Calculate VA Interest Rate Reduction Refinance Loan (IRRRL) benefits.
fhavaFixed vs ARM Comparison
Compare fixed-rate mortgages with adjustable-rate mortgages (ARM).
types15-Year vs 30-Year Mortgage Comparison
Compare 15-year and 30-year fixed-rate mortgages.
types30-Year Fixed Rate Payment
Calculate monthly payment for a 30-year fixed-rate mortgage.
types15-Year Fixed Rate Payment
Calculate monthly payment for a 15-year fixed-rate mortgage.
typesARM Payment Calculator (5/1, 7/1)
Calculate payments for adjustable-rate mortgages with initial fixed periods.
typesJumbo Loan Calculator
Calculate payments for jumbo mortgages exceeding conforming loan limits.
typesInterest Rate vs APR Comparison
Understand the difference between interest rate and APR with examples.
typesARM vs Fixed Rate Savings
Compare potential savings or costs of ARM vs fixed-rate mortgage.
typesClosing 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.
closingAPR with Fees Calculator
Calculate true APR including origination fees and other closing costs.
closingOrigination Fees Estimator
Estimate loan origination fees and their impact on total loan cost.
closingEscrow Account Calculator
Calculate monthly escrow payments for taxes and insurance.
closingPrepaid Interest Calculator
Calculate prepaid interest due at closing for your mortgage.
closingPMI (Private Mortgage Insurance) Calculator
Calculate PMI costs and when it can be canceled.
closingTotal Loan Cost with Fees
Calculate total cost of the mortgage including all fees and interest.
closingHome Equity Loan Calculator
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.
equityHome Equity Available Calculator
Calculate how much home equity you can access based on current home value and mortgage balance.
equityHome Equity vs HELOC Comparison
Compare fixed-rate home equity loans versus variable-rate HELOCs.
equityCash-Out Refinance vs HELOC
Compare cash-out refinance with home equity line of credit.
equityHome Equity Payoff Timeline
Calculate how long it takes to pay off a home equity loan with extra payments.
equityHome Equity Loan Refinance
Calculate savings from refinancing a home equity loan with a lower rate.
equitySecond Mortgage Payment Calculator
Calculate payments for a second mortgage or home equity loan.
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.