Free tools
Free mortgage calculators
Quick, no-sign-up estimates for the questions every buyer and homeowner asks. Every assumption is shown, and you can change the numbers behind it.
Mortgage payment calculator
Your full monthly payment: principal, interest, property tax, insurance, PMI, and HOA dues.
Open calculatorHow much house can I afford?
The home price that fits the 28/36 guideline, from your income, debts, and down payment.
Open calculatorRefinance break-even calculator
Your new payment, when closing costs pay for themselves, and whether you come out ahead.
Open calculatorRent vs. buy calculator
Which comes out ahead over the years you plan to stay, counting equity, upkeep, and investment returns.
Open calculator
Want to see whether a specific house holds up over time, not just today? Try the affordability stress test (free beta, sign-in required). The calculators above never need an account.
When you have real paperwork
- Refi CheckUpload your mortgage statement for a plain-English read on whether refinancing looks worth it now.
- Buyer CheckA realistic budget from your income, debts, credit, and down payment.
- Compare Loan EstimatesLine up two to four lenders' offers and see which one really costs less.
- Closing Disclosure AuditCheck your final numbers against your Loan Estimate before you sign.
New to mortgage paperwork? Start with how to read a Loan Estimate or browse all guides.