Mortgage Calculators
Calculate mortgage payments, compare refinancing options, and plan your home purchase with our comprehensive mortgage calculators.
18 free tools available - no signup required
Whether you're buying your first home or refinancing an existing loan, our mortgage calculators help you understand the true cost of homeownership. Compare 15-year vs 30-year terms, estimate closing costs, evaluate FHA and VA loan options, and calculate how extra payments can save you thousands in interest. Every calculator uses current 2026 rates and tax data to give you accurate, actionable numbers.
Amortization Calculator
Free Amortization Calculator - calculate instantly with our online tool. No signup required. Accurate mortgage calculations with real-time results.
Closing Cost Calculator
Free Closing Cost Calculator - estimate buyer and seller closing costs for your home purchase or sale. See a detailed breakdown of fees, taxes, and charges.
FHA Loan Calculator
Free FHA Loan Calculator - estimate your monthly FHA mortgage payment including MIP, property taxes, and insurance. Compare FHA vs conventional loans instantly.
HELOC Calculator
Free HELOC Calculator - estimate your home equity line of credit limit, monthly payments, and interest costs. Compare HELOC vs home equity loan options instantly.
HOA Fee Calculator
Free HOA Fee Calculator - estimate the true cost of HOA fees including annual increases. Calculate how HOA dues impact your total monthly housing cost and long-term budget.
Home Equity Calculator
Free Home Equity Calculator - calculate how much equity you have in your home based on current market value and remaining mortgage balance. Track your equity growth over time.
Home Improvement Calculator
Free Home Improvement Calculator - calculate instantly with our online tool. No signup required. Accurate mortgage calculations with real-time results.
Jumbo Mortgage Calculator
Free Jumbo Mortgage Calculator - estimate monthly payments for loans exceeding conforming limits. Compare jumbo vs conventional loan costs and requirements.
Mortgage Calculator
Use our free Mortgage Calculator to estimate your monthly payment including principal, interest, taxes, insurance, and PMI. Compare loan terms and plan your home purchase.
Mortgage Payment Calculator
Use the Numeraty Mortgage Payment Calculator to determine your monthly mortgage payments. Input your loan amount, interest rate, and loan term to get an accurate estimate of your mortgage payments.
Mortgage Payoff Calculator
Free Mortgage Payoff Calculator - calculate instantly with our online tool. No signup required. Accurate mortgage calculations with real-time results.
Mortgage Points Calculator
Free Mortgage Points Calculator - determine if buying discount points saves you money. Compare upfront costs vs monthly savings and find your break-even point.
Mortgage Refinance Calculator
Free Mortgage Refinance Calculator - calculate instantly with our online tool. No signup required. Accurate mortgage calculations with real-time results.
Property Tax Calculator
Free Property Tax Calculator - estimate your annual and monthly property tax based on home value and local tax rates. Compare property taxes across different scenarios.
Real Estate Affordability Calculator
Free Real Estate Affordability Calculator - calculate instantly with our online tool. No signup required. Accurate mortgage calculations with real-time results.
Rent Calculator
Free Rent Calculator - calculate instantly with our online tool. No signup required. Accurate mortgage calculations with real-time results.
Rent vs Buy Calculator
Free Rent vs Buy Calculator - compare the total cost of renting versus buying a home over time. See the financial break-even point and which option builds more wealth.
VA Loan Calculator
Free VA Loan Calculator - estimate your VA mortgage payment with zero down payment. Calculate the VA funding fee, monthly payment, and total cost for veterans and service members.
15-Year Mortgage Calculator
Calculate your 15-year mortgage payment and see how much you save in interest compared to a 30-year loan. Enter your loan amount and interest rate to get instant results with our free 15-year mortgage calculator.
40-Year Mortgage Calculator
Calculate your 40-year mortgage payment and compare it to standard 30-year loans. See how extending your loan term lowers monthly payments with our free 40-year mortgage calculator.
50-Year Mortgage Calculator
Calculate your 50-year mortgage payment and see total interest costs compared to 30-year and 40-year loans. Explore ultra-long-term mortgage options with our free 50-year mortgage calculator.
Interest-Only Mortgage Calculator
Calculate your interest-only mortgage payment and compare it to standard principal-and-interest loans. See how much you can save monthly with our free interest-only mortgage calculator.
Mortgage Calculator 2026
Calculate your 2026 mortgage payment with today's rates. Free mortgage calculator with current rate data, FHA loan limits, and full PITI breakdown.
Refinance Calculator
Free Refinance Calculator - calculate instantly with our online tool. No signup required. Accurate mortgage calculations with real-time results.
Refinance Calculator 2026
Should you refinance in 2026? Free refinance calculator with current rates, break-even analysis, and total savings comparison.
Mortgage Guides
15-Year vs 30-Year Mortgage: Which Is Right for You?
A 15-year mortgage saves you hundreds of thousands in interest but comes with higher monthly payments. Here's how to decide which term fits your finances.
8 min readFHA vs Conventional Loan: Which Mortgage Is Right for You?
FHA loans require just 3.5% down with a 580 credit score. Conventional loans need 3-5% down with 620+ credit. Here's which costs less over the life of the loan.
8 min readFirst-Time Homebuyer Guide 2026: Step-by-Step
Buying your first home in 2026 means navigating 6.75% mortgage rates, elevated prices, and a complex loan landscape. This step-by-step guide covers every stage from credit prep through closing.
12 min readHow Much House Can I Afford? A Step-by-Step Guide
Use the 28/36 rule: spend no more than 28% of gross income on housing and 36% on total debt. Here's how to calculate your real home buying budget.
8 min readHow to Pay Off Student Loans Fast: 7 Strategies That Work
The average student loan borrower takes 20 years to pay off their debt, according to Federal Reserve data, but most could cut that timeline in half with the right strategy. The best approach depends on whether your loans are federal or private.
9 min readMortgage Rates in 2026: Current Rates, Forecast, and What to Do
Freddie Mac's Primary Mortgage Market Survey tracks 30-year fixed rates back to 1971 -- the post-pandemic spike to 8% in late 2023 was the highest since 2000. Rates have moderated since, but the path back to sub-4% territory hinges on inflation data and Fed policy decisions that remain uncertain through 2026.
8 min readRenting vs Buying a Home in 2026: The Complete Analysis
With 2026 mortgage rates near 6.75% and national median rent at $1,850/month, the rent-vs-buy equation depends on how long you plan to stay and your local market.
10 min readWhen to Refinance Your Mortgage: The Complete Decision Guide
Refinancing makes sense when the interest savings exceed closing costs before you sell. Use the break-even calculation to decide if refinancing is worth it.
7 min readReviewed & Methodology
Every calculator is built using industry-standard formulas, validated against authoritative sources, and reviewed by a credentialed financial professional. All calculations run privately in your browser - no data is stored or shared.