๐ Mortgages & Home
Free mortgage and home-buying calculators: monthly payment, down payment, PMI, refinance break-even, house affordability and rent versus buy.
The biggest financial decision of most lives deserves a spreadsheet-free reality check: payment at different rates and terms, what a bigger down payment actually saves, and when PMI drops off.
Refinance and rent-versus-buy tools include the often-forgotten costs โ closing fees, property tax, maintenance โ so the comparison reflects real ownership, not just the monthly headline number.
Biweekly Mortgage Calculator
Compare biweekly vs monthly mortgage payments and see your interest savings.
Down Payment Calculator
Plan your home purchase with confidence. Enter the property price, down payment percentage and loan terms to see your down payment, loan amount and monthly mortgage.
House Affordability Calculator
Estimate your home buying budget based on income, debt, and down payment.
Mortgage Calculator
Enter loan amount, interest rate and term to calculate monthly payment.
Mortgage Payoff Calculator
Compare standard vs accelerated mortgage payoff and see your potential savings.
Mortgage Points Calculator
See if buying mortgage points pays off. Get upfront cost, monthly savings, break-even months and net savings instantly.
PMI Calculator
Estimate your Private Mortgage Insurance cost by entering the home value, down payment, loan term, and credit score range to see monthly, annual, and total PMI over the loan life.
Property Tax Calculator
Estimate your property tax for any home or land. Enter the assessed value and local tax rate to see the annual tax, monthly tax and effective rate.
Refinance Calculator
Decide if refinancing your mortgage is worth it. Compare your current loan with a new one to see monthly savings, total savings and the break-even point.
Rent Calculator
Check your rent-to-income ratio and see if your rent fits the 30% rule.
Rent vs Buy Calculator
Make the rent-or-buy decision with real numbers. Compare the total cost of renting against buying over your expected time horizon to see which saves you more.
Council Tax Band Checker
Find your council tax band and calculate your annual and monthly council tax bill. Enter your local council's Band D rate to see how much you pay based on your band.
Frequently asked questions
How much down payment do I need?
Twenty percent avoids PMI in the US, but many loans allow less; the calculators show how each level changes payment and total cost.
When does refinancing pay off?
When the monthly saving covers the closing costs within your expected stay โ the break-even tool finds that month for your numbers.
Is renting really throwing money away?
Not necessarily. With taxes, maintenance and opportunity cost included, renting can win for shorter horizons โ run both scenarios.