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This free online mortgage calculator is intended for informational purposes only. Actual interest rates and monthly payment amounts depend on market conditions, as well as various other factors, including geographic location and specific loan parameters. The calculations provided are based on the data you have entered and may not account for additional fees or costs that a lender might charge beyond the monthly principal and interest payments (such as taxes or insurance premiums); consequently, your actual financial obligations may be higher. mortgagecalculatorsite.com is not a lender, broker or financial institute, nor a party to any engagement related to financial products or transaction and does not provide loans; this information does not constitute a commitment to grant a loan.

YOUR NEXT CHAPTER, WITH CONFIDENCE

Home starts with
a little clarity.

Less guesswork. More possibility. Explore free mortgage calculators that help you find your own way home.

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Modern home with a garden and terrace
Comfortable living room with natural light
Welcoming home surrounded by greenery
A TOOL FOR EVERY NEXT STEP

Let’s run the numbers.

Big decisions feel better with a little perspective.

A great place to start

Mortgage calculator

Meet your monthly payment. See the full picture, including taxes and insurance.

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Know your budget

Home affordability calculator

Find a home price that fits your income, your budget, and your life.

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Refinance calculator

Could a new loan make a difference? Compare payments and find your break-even point.

Rent vs. Buy calculator

Two paths to feeling at home. See how the costs compare over time.

Amortization calculator

See where every payment goes, from your first month to your last.

Home equity calculator

Get to know the value you’ve built in your home, and what you could borrow.

Second mortgage calculator

Estimate a second mortgage payment and see how it fits alongside your current home loan.

Mortgage payoff calculator

Put a date on mortgage freedom. Find out what it takes to pay off your loan sooner.

Down payment calculator

Turn your home goals into a savings plan, one month at a time.

Closing cost calculator

Plan your closing costs and the cash you’ll need to complete your home purchase.

15 vs. 30 year mortgage

Compare the monthly commitment and lifetime cost of two popular loan terms.

FHA loan calculator

Estimate payments with your quoted mortgage insurance and upfront premium.

VA loan calculator

Plan your payment using your lender’s rate and applicable funding fee.

HELOC calculator

Explore interest-only draw payments and the cost of repaying your credit line.

Debt consolidation calculator

Compare your current debt payments with a new loan and its total cost.

Housing allowance calculator

See how your verified military housing allowance fits into a monthly budget.

A home is personal. Your numbers should be, too.

Start with a monthly payment that feels right for you.

Let’s figure it out
A LITTLE KNOW-HOW GOES A LONG WAY

Make yourself at home.

Helpful reads for wherever you are in your home journey.

All guides
Welcoming modern home with a garden and warm interior lights
FIRST-TIME BUYERS8 min read

Your first home starts with a plan

A practical guide to the numbers, the process, and your next big step.

Read the guide
Light-filled living room with a comfortable sofa and natural materials
MORTGAGE BASICS6 min read

What really goes into a mortgage payment?

There’s more to your monthly payment than principal and interest.

Read the guide
Sunny home with a landscaped yard
REFINANCING7 min read

When does refinancing make sense?

How to weigh the savings against the costs and find your break-even point.

Read the guide

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SMALL STEPS. BIG POSSIBILITIES.

You don’t have to have it all figured out.

Just start with the next number. We’ll help make it a little clearer.

See what feels affordable