Mortgage WellMortgage calculators for every home financing question
Simple on the surface, powerful when you need it. Transparent assumptions, mobile friendly, printable, and shareable.
What are you trying to figure out?
Monthly Payment
Most popularEstimate principal, interest, taxes, insurance, PMI, and HOA.
How Much Can I Afford?
Estimate price range and DTI tiers from income, debts, and down payment.
Amortization Schedule
See month-by-month principal vs. interest and remaining balance.
Pay Off Faster
See how extra payments shorten your loan and save interest.
15 vs. 30 Year
Compare shorter and longer terms side-by-side.
Refinance
Find your breakeven, cash-flow savings, and lifetime cost.
Recast
Lower your payment with a lump sum without resetting the term.
PMI Removal
Estimate when private mortgage insurance can drop off.
Plain-English mortgage guides
Each calculator is paired with a short, plain-English guide that explains the math, the trade-offs, and when to use it. Skim a guide, then run the numbers.
Common mortgage questions
Quick answers to the questions most people start with — each links to the calculator that runs the numbers for your situation.
- How much house can I afford?
- Affordability is set by your debt-to-income ratio (DTI). Your housing payment plus other monthly debts should stay under your DTI cap. Run the affordability calculator to estimate a price range with conservative, moderate, and stretch tiers. Open the calculator →
- What will my monthly mortgage payment be?
- A full monthly mortgage payment usually includes principal & interest, property taxes, homeowners insurance, mortgage insurance when loan-to-value is above 80%, and any HOA dues. The mortgage payment calculator shows every piece with transparent assumptions. Open the calculator →
- How much can I save by paying extra on my mortgage?
- Extra principal payments shrink the balance you pay interest on every month afterward. Even a small monthly extra can shave years off the term and save tens of thousands of dollars in lifetime interest. The extra-payment calculator models monthly, annual, and lump-sum extras side by side. Open the calculator →
- Is a 15-year or 30-year mortgage better?
- A 15-year typically offers a lower rate and saves the most lifetime interest, but at a much higher monthly payment. A 30-year frees up cash flow at the cost of more total interest. The 15 vs. 30 calculator compares both — and the hybrid case where you pay a 30-year like a 15-year. Open the calculator →
- When does PMI go away?
- On a conventional loan, PMI is generally cancellable when your scheduled balance reaches 80% of the original home value, and the servicer is generally required to terminate it automatically at 78% LTV. The PMI calculator projects both milestones from your inputs. Open the calculator →
- Should I refinance or recast my mortgage?
- Refinancing replaces your loan with a new one — it can change the rate and term but has closing costs. Recasting keeps your rate and term but lowers the monthly payment after a lump-sum principal payment. Compare both against your goals using the refinance and recast calculators. Open the calculator →