Mortgage Calculators
Mortgage Affordability Calculator
See how much home fits your income and debts.
Free U.S. Mortgage Calculators
Free mortgage calculators for U.S. home buyers and homeowners. Estimate monthly payments with taxes and PMI, see how much house you can afford, plan your down payment, check your debt-to-income ratio, compare refinance savings, build an amortization schedule, and plan cash to close.
- Runs in your browser
- No account required
- Mobile friendly
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Plan every step of buying or refinancing a home
See what a home really costs each month, how much house fits your income and debts, whether refinancing pays off, how your balance falls over time, and how much cash you need at closing. All calculators are free estimates for U.S. loans, not loan offers.
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Frequently asked questions
Yes. The payment calculator adds property tax, homeowners insurance, PMI, and HOA dues to principal and interest.
No. You enter the rate you were quoted or expect, so results match your scenario.
Yes. Every Mortgage Calculators page is free in your browser, with no account required.
No downloads needed. Open the tool on your phone or computer and follow the steps on the page.
Yes. The site is mobile-first. A larger screen is nicer for multi-file PDFs, but every page is usable on a phone.