Mortgage & Home calculators
Mortgage payments, affordability, refinancing, home equity and buying costs.
86 free tools
Most used
15 vs 30 Year Mortgage CalculatorSee the payment gap and the interest you save with a 15-year loanAmortization Schedule CalculatorMonth-by-month and yearly loan tables with principal, interest and balanceAustralia Borrowing Power CalculatorSee how much a lender may let you borrow after the 3% rate bufferAustralia LMI CalculatorEstimate lenders mortgage insurance from your deposit and LVRBiweekly Mortgage CalculatorSee how paying half your mortgage every two weeks cuts years and interestCanada Land Transfer Tax CalculatorOntario, Toronto and BC transfer tax with first-time buyer rebatesCanada Mortgage CalculatorCanadian payments with semi-annual compounding and CMHC insuranceCanada Mortgage Penalty CalculatorEstimate the cost of breaking your mortgage: 3 months’ interest or IRDCanada Mortgage Stress Test CalculatorFind your qualifying rate and the largest mortgage you pass the test forCash to Close CalculatorAdd up the down payment, closing costs and prepaids you’ll bring to closingClosing Costs CalculatorItemize buyer closing costs and the total cash you need to closeCMHC Insurance CalculatorWork out your CMHC premium, provincial tax and total insured mortgageDown Payment CalculatorFind your down payment, loan size and how long it will take to saveExtra Mortgage Payment CalculatorSee the interest and years you save by paying extra on your mortgageFHA Loan CalculatorFHA payments with upfront and annual mortgage insurance built inFHA vs Conventional Loan CalculatorCompare FHA MIP against conventional PMI over the years you’ll keep the loanHELOC CalculatorFind your HELOC limit and payments in the draw and repayment periodsHome Equity CalculatorSee how much equity you have and how much you could borrow against itHome Equity Loan CalculatorSee how much equity you can borrow and your fixed monthly paymentHome Loan EMI CalculatorCalculate your housing loan EMI, total interest and year-wise breakupIndia Home Loan Eligibility CalculatorFind the maximum home loan your salary, FOIR and existing EMIs allowMortgage Affordability CalculatorFind the home price your income can support using lender DTI rulesMortgage CalculatorEstimate your monthly house payment with taxes, insurance and PMIMortgage Income CalculatorFind the salary you need to qualify for a home at a given priceMortgage Payoff CalculatorSee how extra payments shorten your mortgage and cut interestMortgage Refinance CalculatorCompare your current loan with a refinance and find your break-even monthOffset Mortgage CalculatorSee how much interest and time your savings knock off your mortgagePMI CalculatorEstimate private mortgage insurance and the month it drops offProperty Tax CalculatorEstimate yearly and monthly property tax from value, rate and exemptionsReal Estate Transfer Tax CalculatorWork out deed transfer tax and stamps on a home saleRent vs Buy CalculatorCompare your net worth after renting or buying, year by yearTitle Insurance CalculatorEstimate owner's and lender's title policy premiums before closingUK Buy-to-Let Mortgage CalculatorFind your maximum buy-to-let loan from rent, ICR and stress rateUK Mortgage Affordability CalculatorHow much can I borrow? Income multiples, outgoings and stress testUK Shared Ownership CalculatorMortgage, rent and service charge on a shared ownership homeVA Funding Fee CalculatorFind your VA funding fee by loan type, down payment and prior useVA Loan CalculatorEstimate your VA mortgage payment including the VA funding fee
More mortgage & home tools
28/36 Rule CalculatorCheck your front-end and back-end ratios the way lenders doARM Payment CalculatorProject adjustable-rate mortgage payments with index, margin and capsAssumable Mortgage CalculatorSee what taking over a seller’s low-rate mortgage saves and costs upfrontAustralia Home Loan CalculatorWork out home loan repayments weekly, fortnightly or monthly in A$Balloon Payment CalculatorFind your monthly payment and the lump sum due when a balloon loan endsBuy a House Now or Wait CalculatorShould you buy now or wait for lower rates? Compare the real costCash-Out Refinance CalculatorSee how much equity you can tap and what your new payment would beConstruction Loan CalculatorEstimate interest-only draw payments while you build, then your mortgageFHA MIP CalculatorUpfront and monthly FHA mortgage insurance from the official HUD ratesHELOC vs Cash-Out Refinance CalculatorSee which way of tapping home equity costs less over your time frameHome Insurance CalculatorEstimate your homeowners insurance premium and coverage limitsHome Loan Balance Transfer CalculatorFind out if switching your home loan to a lower rate really saves moneyHome Loan Prepayment Calculator (India)See how much interest a part-prepayment saves — reduce EMI or tenureHome Loan Tax Benefit Calculator (India)Work out the tax you save on home loan interest and principalHome Maintenance Cost CalculatorSet a realistic yearly and monthly budget for home upkeepHome Renovation ROI CalculatorFind out how much of a remodel’s cost you get back when you sellHome Sale Proceeds CalculatorSee how much cash you will walk away with when you sellInterest-Only Mortgage CalculatorSee your payment during and after the interest-only periodJumbo Loan CalculatorEstimate jumbo mortgage payments, reserves and cash to closeLoan-to-Value (LTV) CalculatorCalculate LTV, CLTV and HCLTV and how much equity you can tapMortgage Buydown CalculatorPrice a 2-1, 3-2-1 or 1-0 temporary buydown and its savingsMortgage Escrow CalculatorEstimate your escrow payment, cushion and any shortage or surplusMortgage Offer Comparison CalculatorCompare up to four mortgage offers by rate, points and fees side by sideMortgage Points CalculatorFind out if buying discount points pays off — and whenMortgage Recast CalculatorSee how a lump-sum recast lowers your monthly mortgage paymentPiggyback Loan Calculator (80-10-10)Compare an 80-10-10 piggyback mortgage with a single loan plus PMIPMI Removal Date CalculatorFind the month you can cancel PMI and when it must end automaticallyPrepaid Interest CalculatorWork out the per-diem interest you prepay at closing and your first due dateProperty Tax Proration CalculatorSplit the year’s property tax between buyer and seller at closingRealtor Commission CalculatorSee what agents earn on a sale and what the seller actually netsReverse Mortgage CalculatorEstimate how much cash a HECM reverse mortgage could unlockRRSP Home Buyers' Plan CalculatorHBP withdrawal limit, repayment start year and 15-year scheduleScotland LBTT CalculatorWork out Land and Buildings Transaction Tax on a Scottish homeUK Early Repayment Charge CalculatorSee if switching mortgage early saves more than the ERC costsUK Fixed vs Variable Mortgage CalculatorCompare a long fixed rate with a short deal that reverts to variableUK Mortgage CalculatorMonthly repayments, borrowing limit and stamp duty in one placeUK Mortgage Overpayment CalculatorSee the interest and years you save by overpaying your mortgageUSDA Loan CalculatorMonthly payment on a zero-down USDA rural home loan, fees includedARM vs Fixed Rate CalculatorFind out whether a 5/1 or 7/1 ARM beats a fixed-rate mortgage for youAustralia First Home Buyer CalculatorCheck your first home grant, stamp duty relief and 5% deposit eligibilityBridge Loan CalculatorSee how much a bridge loan costs when you buy before you sellEarnest Money CalculatorSize your earnest money deposit and see what is left to pay at closingHouse Price to Income Ratio CalculatorSee how many years of income a home costs and how affordable it isLand Loan CalculatorMonthly payment, balloon and total cost on a land or lot loanLender Credits CalculatorIs a higher rate worth the lender credit? Find your break-even pointMortgage Interest Deduction CalculatorSee how much deducting mortgage interest really saves on your taxesPay Off Mortgage or Invest CalculatorShould extra cash go to your mortgage or the market? Compare bothSeller Concessions CalculatorFind the most a seller can credit you and what it does to cash to closeWales Land Transaction Tax CalculatorCalculate Welsh Land Transaction Tax on a home or second property