Mortgage and home buying calculators
Work out your monthly payment, how much house you can afford, and whether renting or buying wins. Every result shows the math.
10 free calculators
Mortgage Calculator
Estimate your full monthly mortgage payment including property tax and home insurance.
Open calculator →How Much House Can I Afford?
Estimate the home price you can afford from your income, debts and down payment.
Open calculator →Refinance Break-Even Calculator
See if refinancing a loan saves money and how many months it takes to break even.
Open calculator →Down Payment Savings Calculator
Find how long it will take to save the down payment for a home.
Open calculator →Home Buying Plan Calculator
Plan the full cost of buying a home: cash needed, monthly payment, time to save and income required.
Open calculator →Mortgage Payoff Calculator (Extra Payments)
See how much interest and time you save by paying extra on your mortgage each month.
Open calculator →Rent vs Buy Calculator
Compare the total cost of renting against buying a home over the years you plan to stay.
Open calculator →How Much Rent Can I Afford?
Find a safe rent from your income using the 30% rule, the 3x rule and your existing debts.
Open calculator →Home Equity & HELOC Calculator
Calculate your home equity and how much you could borrow against it.
Open calculator →Mortgage Amortization Calculator with Extra Payments
See your full loan schedule year by year, and how much interest and time an extra monthly payment saves.
Open calculator →Money guides for Mortgage & Home Buying
All guides →Buying a Home or Car: The Math Before You Sign
How to work out what you can really afford for a home or car, using simple rules and real numbers.
Read guide →How Loan Interest Really Works
Understand APR, amortization and why early payments are mostly interest, with tips to pay less.
Read guide →How to Save Money: 10 Practical Ways with Real Numbers
Ten proven ways to save money, each with the math showing how much you can keep every year.
Read guide →How Much House Can I Afford? The 28/36 Rule
A simple rule lenders use to size a mortgage, with a worked example, plus the costs people forget when they set a budget.
Read guide →Extra Mortgage Payments: How Much Do They Save?
See how paying a little extra each month cuts years and tens of thousands in interest, and how to read an amortization schedule.
Read guide →Emergency Funds and Rent vs Buy: Two Big Early Decisions
How many months of cash to hold, and how to compare renting with buying using total cost rather than gut feeling.
Read guide →Other calculator categories
Loans & Car Finance
See what a loan really costs, how much car you can afford, and how much interest an extra payment saves.
- Loan Payment Calculator
- Car Loan Calculator
- Car Affordability Calculator
- Student Loan Payoff Calculator
Debt Payoff
Find the fastest and cheapest way out of debt, and see if a balance transfer is worth the fee.
- Credit Card Payoff Calculator
- Debt-to-Income (DTI) Calculator
- Debt Payoff Planner (Snowball vs Avalanche)
- Balance Transfer Calculator
Savings & Interest
See how small amounts grow, how long a savings goal takes, and how much cushion you really need.
- Compound Interest Calculator
- Savings Goal Calculator
- Simple Interest Calculator
- Savings Interest (APY) Calculator
Investing & Returns
Measure what an investment really earned, what inflation takes back, and how long it takes to reach a big goal.
- Inflation Calculator
- ROI Calculator
- Dividend Income Calculator
- CAGR Calculator
Retirement Planning
See how much you need to retire, what your 401k can become, and how long your money will last.
- Retirement Savings Calculator
- FIRE Number Calculator
- Roth vs Traditional IRA Calculator
- 401(k) Calculator with Employer Match
Budgeting & Net Worth
Plan your month, check your financial health, fix a deficit and plan big events with clear numbers.
- 50/30/20 Budget Calculator
- Net Worth Calculator
- Monthly Financial Planner
- Wedding Budget Calculator
Smart Spending & Shopping
Check a deal, split a bill, and see what small daily habits and subscriptions really cost over the years.
- Tip & Bill Splitter
- Percentage Calculator
- Discount Calculator
- Sales Tax & VAT Calculator
Salary & Pay
Know what your time is worth, what a raise adds up to, and which job offer is really better.
- Salary to Hourly Calculator
- Hourly to Salary Calculator
- Overtime Pay Calculator
- Pay Raise Calculator
Side Hustle & Business
Price your work, check whether a side hustle is profitable, and find your break-even point.
- Freelance Hourly Rate Calculator
- Profit Margin & Markup Calculator
- Break-Even Calculator
- Seller Profit Calculator (Etsy, eBay, Amazon)