Calculators for mortgages, refinancing, and take-home pay, built on the exact formulas lenders and payroll processors use. Everything runs in your browser; nothing you type is ever sent to us.
Ten hand-tuned tools with amortization tables, breakdowns, and printable summaries. Everything runs locally in your browser, your numbers never leave your device.
Principal, interest, taxes, insurance and PMI. Amortization by year with total interest over the loan term.
Open calculator →Compare your current mortgage to a new offer. See closing costs, monthly savings, and the exact month you break even.
Open calculator →Federal + state + FICA withholding for hourly and salaried workers. Includes 401(k), HSA, and pre-tax deductions.
Open calculator →How much house can you actually afford? Solve for max price using front-end and back-end DTI limits.
Open calculator →10-year simulation comparing total cost of ownership vs renting, including opportunity cost of the down payment.
Open calculator →See how much interest and how many years you save with extra monthly or lump-sum principal payments.
Open calculator →Front-end and back-end debt-to-income ratios with Conventional / FHA / VA / USDA / Jumbo eligibility.
Open calculator →See how your savings grow with compound interest. Supports monthly contributions and inflation adjustment.
Open calculator →How much do you need and how long will it take? Compare 3% to 25% down with PMI impact.
Open calculator →Compare APR vs interest rate. See how fees, points, and closing costs affect the true cost of borrowing.
Open calculator →Month-by-month breakdown of every payment, how much goes to principal vs. interest, and when you cross 50% equity.
Included with mortgage →How much you actually keep after federal, state, and local taxes, in every US state.
Compare states →Written by our editorial team, reviewed by licensed loan officers and CFP® professionals. No affiliate spin.
Rates are back in the 5s. Here's the exact decision tree, including when it's still smart to keep your existing loan.
Read guide →A 42-step checklist covering financial prep, pre-approval, house hunting, offers, inspection, and closing.
Read guide →Four legitimate ways to eliminate private mortgage insurance, with sample removal letter and timing rules.
Read guide →The DTI framework lenders actually use, why 28/36 is dated, and how to stress-test your budget.
Read guide →The honest financial math, including the opportunity cost of the higher payment on a 15-year loan.
Read guide →Every line item on the Loan Estimate, what's negotiable, what's not, and how to reduce them.
Read guide →Price-to-rent framework with real 2026 metro data. When renting actually wins financially.
Read guide →Full 50-state ranking of what $100,000 actually buys after federal, state, and local tax.
Read guide →Pre-tax retirement, HSA, tax-loss harvesting, and credits, the highest-impact legal reductions for 2026.
Read guide →Every calculator uses the standard amortization formula published by the CFPB. See our methodology page.
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