Mortgages & Home calculators
Buy, refinance, and sell — payments, affordability, and the costs in between.
Buying a home is the biggest financial decision most people make, and the monthly mortgage payment is only part of the picture. The calculators in this section take you through the whole journey — from working out how much house you can afford and the cash you need up front, to the full monthly payment including tax, insurance, and PMI, and the amortization schedule that shows how the balance falls over time.
Already a homeowner? Compare a refinance against your current loan, see how overpaying cuts years of interest, or work out your net proceeds when you sell. Investors can check the rental yield on a buy-to-let, and renters can weigh renting versus buying.
Every tool is localized for the US, UK, Canada, and Australia, so stamp duty, land transfer tax, and lender rules match your market. New to all this? Start with our guides on how a mortgage works and the 28/36 affordability rule.
15 mortgages & home calculators
Mortgage calculator
Monthly payment & amortization
Affordability calculator
How much house can I afford?
Amortization calculator
Loan schedule & extra payments
Refinance calculator
Break-even & lifetime savings
Mortgage payoff
Pay off early & interest saved
Mortgage overpayment
Interest & time saved
Biweekly mortgage
Interest & years saved
Down payment calculator
Cash needed to buy
Debt-to-income ratio
DTI vs. lender limits
Stamp duty / land transfer
Property purchase tax
Rent vs. buy
True-cost comparison
Rent affordability
How much rent can I afford?
Rental yield
Gross & net yield, cash-on-cash
Home improvement ROI
Renovation return on investment
Home sale net proceeds
Cash in hand after costs
Guides on mortgages & home
How a Mortgage Works
Amortization, interest, and monthly payments explained with real numbers.
9 min read
How Much House Can I Afford?
The 28/36 rule, real affordability limits, and costs beyond the mortgage payment.
9 min read
What Is PMI? Private Mortgage Insurance Explained
How PMI works, how much it costs, and four ways to avoid or cancel it.
8 min read
Should I Refinance My Mortgage?
Break-even analysis and lifetime savings — when refinancing makes sense.
8 min read
Rent vs. Buy
True-cost comparison including down payment opportunity cost and maintenance.
10 min read
What Is a Debt-to-Income Ratio?
How lenders measure borrowing power — and how to improve yours.
7 min read
Home Sale Net Proceeds
What you'll actually walk away with after agent commission, closing costs, your mortgage, and capital gains tax.
9 min read
15-Year vs. 30-Year Mortgage: The Real Cost Difference
Side-by-side payments, lifetime interest, and the invest-the-difference argument — plus when each term actually wins.
9 min read
First-Time Home Buyer Guide (US)
Down payments, PMI, closing costs, pre-approval, and the loan programs that cut the cash needed — step by step.
11 min read
First-Time Buyer Guide (UK)
Deposits, stamp duty relief, LISAs, mortgage-in-principle, and the buying process from offer to completion.
11 min read
What Paying an Extra $100 a Month Does to Your Mortgage
The exact years-saved and interest-saved math behind small extra payments — and the three rules for doing it right.
8 min read
Do Biweekly Mortgage Payments Really Work?
How paying half your mortgage every two weeks shaves years off the term — and the trap to avoid.
8 min read
Should You Pay Off Your Mortgage or Invest?
The rate-vs-return math, the role of tax and risk, and a simple framework for splitting your spare cash.
9 min read
How Long Does It Take to Save a House Deposit?
Work the timeline back from your target deposit and monthly saving — plus how to get there faster.
8 min read
Popular scenarios
Pre-calculated answers for the most common questions.