Mortgage Calculators

Free, accurate mortgage and loan calculators — monthly payments, amortization, refinance savings, affordability, and more. Everything runs in your browser: no account, and nothing you enter is transmitted or stored. Start with the payment calculator below, or see how much house you can afford. Every calculator in the directory has its own page with a full guide.

Mortgage Payment Calculator

Estimate your monthly mortgage payment — principal and interest, plus optional property tax, home insurance, PMI, and HOA. For a full walkthrough of every field, an amortization breakdown, and the FAQ, see the full Mortgage Calculator page.

Monthly payment

Enter a price, down payment, and rate; taxes and fees are optional.

How Much House Can You Afford?

Estimate the home price your income and down payment support, using the standard 28/36 debt-to-income guidelines lenders apply. For how the guidelines work and what to watch for, see the full House Affordability Calculator page.

Affordability estimate

Based on gross income, monthly debts, and your down payment.

Not financial advice: these calculators provide general educational estimates. Actual loan terms, taxes, insurance, and eligibility depend on your lender and circumstances — confirm figures with a licensed mortgage professional. Everything is processed locally in your browser and never transmitted.