Choosing the right mortgage calculator depends on the question you are trying to answer. If you are still deciding how much home you can afford, start with the Affordability and DTI ratio tools. If you already have a price range, use the Monthly Payment calculator to see principal, interest, taxes, and insurance together. Homeowners who want to save on interest should try the Extra Payment or Amortization tools, while anyone weighing a rate drop can model savings with the Refinance calculator.
Every calculator follows widely used U.S. lending conventions—the CFPB 28/36 rule for affordability, FHA mortgage-insurance schedules, and standard amortization math—so the numbers you see are consistent with what most lenders and loan officers use. Results are estimates, not pre-approvals; your final terms will depend on your credit, the property, and the lender you choose.
🏠 Home Affordability
🏡 Home Affordability Calculator
Calculate how much house you can afford based on income, DTI ratio, and down payment.
Use Calculator →💰 Down Payment Calculator
Plan your down payment strategy. Compare 3% vs 10% vs 20% down.
Use Calculator →📊 DTI Ratio Calculator
Calculate your Debt-to-Income ratio and see if you qualify for a mortgage.
Use Calculator →🔄 Refinance & Savings
⚡ Extra Payment Calculator
See how extra payments can shorten your loan term and save interest.
Use Calculator →📋 Payment & Analysis
💵 Monthly Payment Calculator
Calculate your exact monthly mortgage payment including PITI.
Use Calculator →🔁 Home Swap Cost Calculator
Calculate the total cost of selling and buying a new home.
Use Calculator →Frequently Asked Questions
Use our Home Affordability Calculator. It follows the official 28/36 DTI rule.
Yes! All calculators are 100% free. No registration required.
Our calculators follow official CFPB and FHA guidelines. However, they provide estimates only.