Mortgage & Home Calculators
Everything that turns on a mortgage balance, a rate and a term: what the payment is, what it costs in total, and whether changing any of it is worth doing.
In this section
9 calculators- 15-year vs. 30-yearIs a 15-year mortgage better than a 30-year? Compare both on the same monthly budget, with the payment difference invested, and find the return that decides it.Compare
- Amortization scheduleAn amortization calculator with the full month-by-month schedule, showing how each payment splits between interest and principal and when principal takes over.Calculate
- Biweekly vs. monthly extraAre biweekly mortgage payments worth it? Compare a paid biweekly plan against adding a twelfth of your payment yourself, with the enrolment fee counted.Compare
- Home affordabilityA home affordability calculator that works from the debt-to-income limit lenders actually apply, with property tax, insurance and PMI inside the cap.Calculate
- Mortgage paymentA mortgage calculator that gives the whole payment: principal, interest, property tax, insurance and PMI, with the full amortization schedule and total interest.Calculate
- Mortgage payoff vs. investShould you pay off your mortgage or invest? Find the exact return an investment has to beat, with both net-worth curves and a year-by-year schedule.Compare
- Recast vs. refinance vs. extraRecast, refinance or pay extra? Compare all three uses of a mortgage lump sum on one chart, with fees counted, payoff dates and monthly payments side by side.Compare
- Refinance breakevenA refinance calculator with the breakeven month, the cost of points and closing, and interest compared over the term you have left rather than a reset one.Calculate
- Rent vs. buyIs it cheaper to rent or buy? Compare both on the same monthly budget with the deposit invested, and find the year buying finally overtakes renting.Compare
Every calculator on FinCalculate shows the formula it used, states what it assumes and links the sources behind it. How these are built.