Free Mortgage Calculators: Payment, Afford, Refinance

Buying a home

Size the price, the payment and the rate before you make an offer.

Mortgage CalculatorMonthly payment with taxes, insurance, HOA and PMI How Much House Can I Afford?Home price that fits your income and debts (28/36 rule)Rent vs Buy CalculatorNet worth of buying vs renting and investing, year by year Salary Needed for a House CalculatorIncome a home price needs under the 28/36 rule Mortgage Points CalculatorBreak-even month for buying discount points Closing Cost CalculatorClosing costs by Loan Estimate section and cash to close Mortgage DTI CalculatorFront-end and back-end mortgage debt-to-income vs Fannie Mae limits FHA Loan Calculator With MIPFHA payment with upfront and annual MIP at HUD rates Interest-Only Mortgage CalculatorInterest-only payment and the jump when principal starts ARM Mortgage CalculatorAdjustable-rate payment after each reset, caps and worst case Balloon Mortgage CalculatorMonthly payment and the balloon due at 5, 7 or 10 years Bridge Loan CalculatorBorrow against your home to buy before you sell VA Loan CalculatorVA payment with the funding fee and no PMI Construction Loan CalculatorInterest on each draw while you build, then the mortgage Assumable Mortgage CalculatorTake over a low rate: payment and savings vs a new loan

Owning and refinancing

See your schedule, pay it off sooner, drop PMI and test a refinance.

Amortization SchedulePrintable month-by-month and yearly payment schedule Extra Payment & Early Payoff CalculatorExtra monthly, yearly, lump-sum or bi-weekly payments PMI Removal CalculatorThe month you can drop PMI (80%) and when it ends (78%)Refinance Break-Even CalculatorHow many months until a refinance pays for itself Mortgage Interest Deduction CalculatorDeductible interest this year and the tax it saves (2026)HELOC CLTV CalculatorHow much you can borrow against your home (CLTV, HCLTV)Biweekly Mortgage CalculatorInterest and years saved by paying half every two weeks Cash-Out Refinance CalculatorHow much cash your equity allows and the new payment Reverse Mortgage CalculatorHECM amount by age with HUD's 2026 limit and factors Home Equity Loan CalculatorHow much you can borrow and the fixed monthly payment Escrow Analysis CalculatorEscrow shortage or surplus and your new payment Mortgage Recast CalculatorNew payment after a lump sum, and recast vs prepay

Affordability by salary

Worked tables for common incomes: $40k · $50k · $60k · $70k · $75k · $80k · $90k · $100k · $110k · $120k · $125k · $130k · $140k · $150k · $200k · $250k · $300k.

Salary needed for a house at each price: $300k house · $400k house · $500k house · $600k house · $750k house.

How these calculators work

Every calculator runs in your browser: nothing you type is sent to us or stored on a server. All of them use the same tested amortization code, so a payment in one tool matches the others. Rates and costs are numbers you enter, and each page lists its assumptions and formula. Results update as you type, the address bar keeps your inputs so a shared link reopens the same numbers, and every result can be copied or printed.