Smart calculators for home & money.
Free tools for mortgage, refinance, and home equity decisions. Real numbers from HUD, CFPB, and Freddie Mac — no signup required.
Data sources
24
Free tools
51
States covered
5
In-depth guides
2026
Rates updated
Calculator Suite
Free tools for every stage of homeownership
Explore our comprehensive suite of mortgage and loan calculators designed for accurate estimates.
Mortgage & Purchase
Mortgage Calculator
Estimate monthly PITI payments including principal, interest, taxes, insurance, PMI, and HOA.
Home Affordability Calculator
Find out how much house you can afford based on income, debts, and DTI.
Down Payment Calculator
Calculate down payment, closing costs, and total cash needed.
Loan Programs
FHA Loan Calculator
Calculate 3.5% down payment options, upfront mortgage insurance (UFMIP), and annual MIP.
VA Loan Calculator
Zero-down mortgage planning for eligible veterans, active military, and surviving spouses.
USDA Loan Calculator
Rural development home loans with zero down payment and subsidized guarantee fees.
Refinance & Equity
Payoff & Optimization
Retirement & Investing
Guides & Resources
Expert guides for home mortgage decisions
FHA Loans Guide
The real cost of 3.5% down, mortgage insurance traps, requirements, and loan limits for 2026.
When to Refinance
Break-even math, cash-out risks, and alternatives like biweekly payments and recasting.
How to Calculate PITI
The formula for principal, interest, taxes, and insurance — with a real $400k example.
Closing Costs Explained
Every fee, who pays what, and how to negotiate $1,500+ off your closing costs.
PMI vs MIP
Why one cancels automatically and the other can last 30 years.