Mortgage & Home Tools
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Mortgage & Home Tools
Biweekly Mortgage Calculator
See savings from biweekly mortgage payments
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Closing Cost Calculator
Estimate closing costs when buying a home
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Down Payment Calculator
Work out the down payment needed for a home
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Home Affordability Calculator
Determine the home price you can afford by income
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Home Equity HELOC Calculator
Estimate how much you can borrow against home equity
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Home Loan EMI Calculator
Calculate home loan EMI principal and interest
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Loan to Value Calculator
Calculate your LTV ratio for a property
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Mortgage Affordability Calculator
Find out how much home you can afford
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Mortgage Amortization Calculator
View a full mortgage amortization schedule
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Mortgage Calculator
Calculate monthly mortgage payments with taxes and insurance
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Mortgage Comparison Calculator
Compare multiple mortgage offers
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Mortgage Overpayment Calculator
Calculate interest saved by overpaying your mortgage
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Mortgage Payoff Calculator
See how extra payments shorten your mortgage
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Mortgage Points Calculator
See if buying mortgage points saves money
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Mortgage Refinance Calculator
Compare refinancing against your current mortgage
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PMI Calculator
Estimate private mortgage insurance costs
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Property Tax Calculator
Estimate annual property tax on a home
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Rent Increase Calculator
Calculate new rent after a percentage increase
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Rent vs Buy Calculator
Compare the cost of renting versus buying a home
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Reverse Mortgage Calculator
Estimate proceeds from a reverse mortgage
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Second Mortgage Calculator
Estimate payments on a second mortgage
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Stamp Duty Calculator
Estimate stamp duty on a property purchase
OpenAbout Mortgage & Home calculators
Buying or refinancing a home is the biggest number most people ever calculate. These tools cover affordability, monthly repayments, refinancing, overpayments and the true cost of a mortgage over its full life.
Start with affordability to set a sensible budget, use the repayment and amortization tools to see where your money goes each month, and model overpayments or a refinance to find out how much interest you could avoid. UK buyers can factor in stamp duty and overpayment limits; US buyers can account for PMI and points.
Mortgage & Home calculators: frequently asked questions
How much house can I afford?
A common guide is to keep your total housing costs near 28% of gross income and all debts under 36%, but the right number depends on your deposit, rate, other debts and how secure your income is. The affordability calculator turns those inputs into a realistic price range.
Is it worth overpaying my mortgage?
Overpaying reduces the balance interest is charged on, so it can save a large amount over the term and shorten it. Check your lender allows penalty-free overpayments, and weigh it against higher-rate debt or savings that earn more. The overpayment calculator shows the interest and time saved.
When does refinancing make sense?
Refinancing usually pays off when the new rate is meaningfully lower and you will stay long enough to recover the closing costs. The refinance calculator compares your current loan with a new one and shows your break-even point in months.
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