Mortgage Calculators
Estimate monthly payments, affordability, refinancing, and the true cost of homeownership.
Buying a home is the largest financial commitment most people will ever make. These calculators are built to give you straight answers — not lead-gen forms.
Lenders frame everything around the monthly principal-and-interest quote, but the true cost of homeownership includes property taxes, insurance, HOA dues, PMI, maintenance, and the interest you pay over the life of the loan. The calculators below help you see each component clearly so you walk into a conversation with a lender already knowing the math.
Start with the affordability calculator to set a realistic price ceiling, then use the payment calculator to confirm a specific deal, and the refinance and extra-payment tools to see how to save money over time.
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Estimate your monthly mortgage payment including principal, interest, property taxes, insurance, HOA, and PMI.
See the maximum home price you can responsibly afford based on income, debts, down payment, and current rates.
Calculate monthly savings, break-even point, and lifetime interest if you refinance your mortgage.
See how much interest and time you save by adding extra principal to your monthly mortgage payment.
Compare monthly payments and lifetime interest between a 15-year and 30-year mortgage at real rates.
Calculate the down payment, loan amount, and loan-to-value ratio for any home price — and see how far you are from the 20% threshold that avoids PMI.
Estimate the monthly cost of private mortgage insurance for a low-down-payment conventional loan, and when it auto-cancels.
Generate a full month-by-month amortization schedule for any mortgage, with the principal/interest split and running balance for every payment.
Estimate the upfront closing costs and total cash to close on a home — lender fees, title and escrow, prepaid taxes and insurance, recording, and custom line items.
Compare the true long-term cost of renting versus buying over your planned time horizon — including appreciation, taxes, maintenance, and the opportunity cost of the down payment.
This calculator is for educational and estimation purposes only. It does not provide financial, mortgage, tax, investment, or legal advice. Actual rates, payments, taxes, fees, insurance costs, eligibility, and loan terms vary by lender, location, credit profile, and market conditions. Always compare official offers and consult a qualified professional before making financial decisions.
Last updated June 2026 · Prepared by the mCalculator Editorial Team