Every number the
mortgage turns on.
Free calculators for buying, owning and renting out property. One shared calculation engine, no sign-up, no email required.
1
Shopping
Working out what you can carry before you fall in love with a house.
- Monthly paymentFull PITI with PMI and HOA, not just principal and interest.
- AffordabilityplannedWorking backwards from income and debts to a price.
- Rent or buyplannedBreak-even on how long you would need to stay.
2
Under contract
Thirty days out, holding a document nobody explained to you.
- Closing Disclosure analyzerplannedUpload the CD, get every line explained and padded fees flagged.
- Cash to closeplannedWhat you wire, and when.
- Points break-evenplannedHow long until buying down the rate pays for itself.
3
Owning
You have the loan. Now you want out of it faster.
- Extra payment acceleratorPrepay, lump sum or biweekly — and whether to recast instead.
- PMI removalplannedThe date you can stop paying it, and how to ask.
4
Refinancing
Rates moved, or your life did.
- Refinance break-evenplannedHow many months until the new loan pays back its costs.
- Cash-out or HELOCplannedTwo ways to reach the equity, side by side.
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Buying it to rent
A different question entirely: not whether you can afford it, but whether it pays.