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
18 calculators- Amortization calculatorAn amortization calculator with the full month-by-month schedule, showing how each payment splits between interest and principal and when principal takes over.Calculate
- Debt-to-income ratio calculatorWork out your front-end and back-end debt-to-income ratios and see how many dollars a month you have left under conventional, FHA and VA limits.Calculate
- FHA loan calculatorAn FHA loan calculator with upfront MIP financed into the loan and annual MIP by down payment, term and loan size, charged the way HUD charges it.Calculate
- HELOC payment calculatorA HELOC payment calculator: the interest-only payment in the draw period, the payment once repayment starts, the increase in dollars and percent, and the interest in each period.Calculate
- Home affordability calculatorA home affordability calculator that works from the debt-to-income limit lenders actually apply, with property tax, insurance and PMI inside the cap.Calculate
- Home equity loan calculatorA home equity loan calculator: your borrowing limit from your home’s value, what you owe and the lender’s CLTV cap, plus the fixed monthly payment and total interest.Calculate
- Mortgage calculatorA mortgage calculator that gives the whole payment: principal, interest, property tax, insurance and PMI, with the full amortization schedule and total interest.Calculate
- Refinance calculatorA 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 affordability calculatorHow much rent can I afford? Compare 30% of gross, a share of 2026 take-home pay and the 40 times rent landlord screen, and see which rule sets your limit.Calculate
- Rental property calculatorA rental property calculator for investors: net operating income, cap rate, monthly cash flow after the mortgage, cash-on-cash return and the rent you need to break even.Calculate
- VA loan calculatorA VA loan calculator with the funding fee by use, down payment and exemption, financed or paid in cash, and the full monthly payment with tax and insurance.Calculate
- 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
- 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
- Down payment calculatorDown payment calculator: compare four down payments on one home side by side, with cash to close, monthly payment, PMI, when PMI ends and total interest.Compare
- 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
- Mortgage pointsAre mortgage points worth it? Compare discount points with a bigger down payment using the same cash, and see how long you must keep the loan.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
- 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
Which mortgage calculator answers my question?
It depends on whether you own the home yet. Before you buy, the home affordability calculator works from the debt-to-income limit lenders apply and gives you a price ceiling, and rent vs buy finds the year buying overtakes renting on the same monthly budget. Once you have a price, a rate and a term, the mortgage calculator gives the whole monthly payment, with property tax, insurance and PMI, and the full schedule.
If you already have a loan, the refinance calculator finds the month a new rate pays back its closing costs and points. It compares interest over the years you have left, not a fresh term.
Is it better to pay off the mortgage early or invest?
It comes down to whether your investments can beat the mortgage rate, and by how much. The mortgage payoff vs invest calculator finds the exact return the investment has to clear and plots net worth on both paths, so you can see how close the call is. If you also carry a credit card or car loan, compare that rate too: the debt calculators cover those.
Every calculator on FinCalculate shows the formula it used, states what it assumes and links the sources behind it. How these are built.