Mortgage calculators
Each one takes your own figures and runs entirely in your browser. Pick the question you are trying to answer.
- Mortgage calculatorMonthly payment, full PITI and a complete month-by-month amortization schedule.
- RefinanceWhat a rate-and-term refinance costs, and how long it takes to repay its closing costs.
- Cash-out refinanceReplacing your mortgage with a larger one and taking the difference as cash.
- HELOCA variable line behind your first mortgage, with the payment step-up modelled.
- Home equity loanA fixed second mortgage: one lump sum, one rate, one payment that never moves.
- Mortgage recastA lump sum plus a re-amortization, keeping your existing rate and payoff date.
- Extra paymentsWhat extra principal does to your payoff date and your total interest.
- Invest vs extra paymentsMoney sent to principal earns your rate for certain. Investing might earn more.
- Home affordability calculatorWork out a home price from income, debts, cash on hand and your own housing-to-income and debt-to-income ceilings.