Plan a home loan
Mortgage Calculators
A mortgage decision involves more than a quoted monthly principal-and-interest payment. Use these tools to test the full housing payment, cash needed, rate risk, loan structure, and the length of time you expect to keep the loan.
7 free tools
Choose a calculator
Mortgage Refinance Savings Calculator
Estimate monthly savings, holding-period savings, and break-even time.
Open calculatorMortgage Calculator
Estimate principal, interest, taxes, insurance, PMI, and HOA.
Open calculatorMortgage Affordability Calculator
Solve a DTI-supported home price from income, debts, and loan terms.
Open calculatorMortgage Points Calculator
Compare points cost, break-even, payments, balances, and savings.
Open calculatorARM Calculator
Stress-test adjustable rates, caps, payments, and total interest.
Open calculatorVA Mortgage Calculator
Estimate VA payment, funding fee, cash needs, and total interest.
Open calculatorConstruction Loan Calculator
Model project costs, construction interest, and permanent financing.
Open calculatorA practical sequence
How to use these tools
- 1
Start with affordability
Set an income- and debt-based range before choosing a property or loan.
- 2
Model the complete payment
Include tax, insurance, association dues, and mortgage insurance—not only principal and interest.
- 3
Compare loan structures
Test points, adjustable rates, VA fees, construction financing, or refinancing against the same holding period.
Frequently asked questions
Which mortgage calculator should I use first?
Begin with affordability, then use the mortgage calculator for a property-specific payment. Use points, ARM, VA, construction, or refinance tools only when those structures apply.
Do these tools determine loan approval?
No. They are planning estimates. Lenders apply their own income, credit, reserve, property, insurance, and underwriting requirements.
Explore related topics
These calculators provide educational estimates, not offers, approvals, quotes, or individualized financial, tax, legal, insurance, or investment advice. Confirm important decisions with current documents, official sources, and qualified professionals.