Tools
Run the numbers before the conversation.
Get a realistic picture of your monthly payment, what you can afford, whether refinancing makes sense, or if it's time to stop renting. No login required. No data collected.
In short: these free, no-login calculators give you an educational estimate of payments, affordability, refinance break-even, and rent vs. buy. They're a starting point, not a loan offer.
Mortgage Payment
Estimate your monthly payment including principal, interest, taxes, insurance, and PMI. Adjust the home price, down payment, and rate to see how they affect your bottom line.
How Much Can I Afford
Enter your income and debts to see the maximum home price that fits your budget. We'll calculate based on standard debt-to-income guidelines that lenders actually use.
Refinance Break-Even
Find out how many months it takes for your monthly savings to cover the cost of refinancing. If you plan to stay past the break-even point, refinancing could save you thousands.
Rent vs Buy
Compare the true cost of renting against buying over 3, 5, 7, or 10 years. Factors in equity, home appreciation, rent increases, maintenance, and your total wealth at the end.
2-1 Buydown
See your year-by-year payment with a 2-1, 3-2-1, or 1-0 temporary buydown, what it costs, and why a seller-paid buydown usually beats the same amount as a price reduction.
DSCR Loan Calculator
For investment properties: divide the monthly rent by the full payment (principal, interest, taxes, insurance, HOA) to see the property's debt service coverage ratio — the number DSCR lenders qualify on.
Bank Statement Income
Self-employed? Estimate the qualifying monthly income a bank statement loan might give you from your average deposits — with a 12 or 24-month analysis and personal vs. business statement options.
The Renter's True Cost Worksheet
A focused 3-step worksheet: what one more year of renting actually costs you when you net out the equity and appreciation you'd have built by owning instead.
Pair a calculator with the right loan
Once you've run the numbers, dig into the program that fits:
- Mortgage Payment → Conventional loans
- How Much Can I Afford → First-time buyer loans
- Refinance Break-Even → Refinance options
- Rent vs Buy → Down payment assistance
- 2-1 Buydown → 2-1 buydown loans
- DSCR Loan Calculator → DSCR investor loans
- Bank Statement Income → Bank statement loans
- The Renter's True Cost Worksheet → First-time buyer loans
See all loan programs or local options in your community.
Want real numbers, not estimates?
Calculators give you a starting point. A conversation gives you the actual picture — your rate, your programs, your options. No pressure, no obligation.
Frequently asked questions
Are these mortgage calculators free to use?
Yes. Every calculator here is free, requires no login, and collects no personal data. They run entirely in your browser so you can explore different scenarios privately.
Which mortgage calculator should I start with?
If you're early in the process, the affordability calculator helps you find a realistic price range, and the payment calculator shows what a monthly payment might look like. If you already own, the refinance break-even and rent-vs-buy tools help with timing decisions.
Are the results a loan offer or pre-approval?
No. These tools are for education and estimation only. They don't include your exact rate, program, or every cost, and they aren't a commitment to lend. The next step for real numbers is a conversation about your specific situation.
These calculators are for educational and estimation purposes only. They do not constitute a loan offer, pre-approval, or commitment to lend. Actual rates, payments, and terms will vary based on your credit profile, loan program, property type, and other factors.