54 calculators
Use this mortgage hub when your question is about buying, remortgaging, or repaying a home loan. It helps you choose between payment, affordability, overpayment, and refinance calculators before you drill into a specific scenario.
10/1 ARM Calculator: Reset Payment & Fixed Comparison
Use the 10/1 ARM calculator to project the opening payment, year-10 balance, reset-payment shock, extra-principal paydown, planned exit checkpoint.
28/36 Rule Calculator
Check whether a proposed mortgage payment and recurring debt load fit the 28/36 rule, then see the safe housing cap and the exact adjustment needed.
3x Rent Calculator
Convert gross income into a 3x rent ceiling, test a listing rent, or reverse rent into the gross income many landlords expect during tenant screening.
ARM Mortgage Calculator
Estimate ARM teaser payment, first reset payment shock, fully indexed rate, capped worst-case payment path, and an ARM vs fixed-rate mortgage checkpoint.
ARV Calculator
Estimate after repair value, comp-based ARV range, flip profit, ROI, break-even sale price, and a 70% rule maximum offer from rehab, sale-cost.
Canadian Mortgage Calculator
Estimate Canadian mortgage payments with semi-annual compounding, CMHC-style insurance, provincial premium tax, weekly and biweekly payment options.
Cap Rate Calculator
Calculate cap rate, NOI yield, implied property value, target NOI gap.
Cash On Cash Return Calculator
Calculate rental-property cash-on-cash return from annual pre-tax cash flow, invested cash, vacancy, expenses, reserves, debt service, DSCR.
Cash Out Refinance Calculator
Calculate cash-out refinance net proceeds, new payment, closing-cost treatment, LTV fit, and planning-horizon mortgage balance before you reset your loan.
Debt-to-Income Ratio Calculator
Use this debt-to-income ratio calculator to compare front-end and back-end DTI, itemize monthly debts, check mortgage readiness.
Down Payment Calculator
Use this down payment calculator to compare house down payment percentages, mortgage payment, PMI, cash needed at closing, and reserve gap for a U.S.
Earnest Money Calculator
Estimate a U.S. earnest money deposit, compare it with calm, balanced, competitive, or multiple-offer market ranges.
FHA Loan Calculator
Estimate a US FHA mortgage payment with upfront MIP, annual MIP duration, 2026 FHA loan-limit checks, optional escrow costs, and the payment after MIP ends.
Gift of Equity Calculator
Estimate a U.S. family-sale gift of equity, the effective down payment it creates, and the starting loan-to-value ratio a lender may underwrite.
Gross Rent Multiplier Calculator
Estimate rental-property GRM from price and rent, or reverse the same market multiple to solve implied value or required rent.
HELOC Calculator
HELOC line, interest-only draw payment, repayment-period payment shock, and variable-rate stress payment from home value, mortgage balance, and CLTV.
Home Equity Loan Calculator
fixed-rate home equity loan payment, CLTV fit, net cash after closing costs, financed-versus-upfront fee tradeoffs, and key amortization checkpoints.
Home Loan Calculator
Estimate a home loan payment with down payment, taxes, insurance, PMI, HOA dues, extra principal, amortization checkpoints, and income stress context.
Home Value Calculator
Estimate current home value from purchase price and appreciation, compare that estimate with a known current value.
House Affordability Calculator
Estimate how much house you can afford from income, debts, down payment, rates, taxes, insurance, PMI, closing costs, reserves, DTI ranges.
Interest-Only Mortgage Calculator
Compare interest-only mortgage payments, recast payment shock, optional principal payments, income stress testing.
Jumbo Loan Calculator
Use this jumbo loan calculator to estimate a U.S.
Land Loan Calculator
Estimate a raw-land loan payment, cash to close, starting LTV, and the rate premium against a comparable home-loan quote.
LTV Calculator
Calculate LTV from loan amount and property value, then compare equity, target-threshold gap, and common mortgage leverage bands.
Mortgage Acceleration Calculator
Compare mortgage acceleration strategies including extra monthly principal, one extra payment each year, and accelerated biweekly payments.
Mortgage Calculator
Mortgage calculator for estimating monthly mortgage payments with taxes, insurance, PMI, amortization, extra payments, payoff timing, biweekly payments.
Mortgage Calculator UK
Estimate UK repayment and interest-only mortgage costs, LTV, purchase tax, monthly ownership costs, budget fit.
Mortgage Comparison Calculator
Shortlist mortgage offers side by side using monthly payment, APR, upfront costs, holding-period borrowing cost, and lifetime interest.
Mortgage Penalty Calculator
Estimate the prepayment charge for breaking a Canadian fixed-rate mortgage early by comparing a flat charge estimate with an IRD-style estimate and showing the.
Net Effective Rent Calculator
Calculate net effective rent by averaging free months and other lease concessions across the full term so you can compare gross rent with the true monthly cost.
Net Operating Income Calculator
Estimate property NOI from scheduled rent, other income, vacancy, operating expenses, and either percentage-based or fixed management costs.
Occupancy Rate Calculator
Calculate hotel or rental-property occupancy rate from occupied units and total available units, with vacancy rate and vacant-unit context.
Pag-IBIG Housing Loan Calculator
Estimate Pag-IBIG housing loan monthly amortization in PHP, compare repayment terms, and stress-test rate changes before relying on a sample computation.
PITI Calculator
See principal, interest, taxes, and insurance in one monthly payment view with this PITI calculator.
Pmi Calculator
Estimate monthly private mortgage insurance (PMI) cost based on loan amount, LTV, and loan type, and project when PMI can be cancelled.
Price Per Square Foot Calculator
Compare property listings with this price per square foot calculator to turn price and floor area into consistent per-sq-ft, per-sq-yd, and per-sq-m benchmarks.
Price Per Square Meter Calculator
Compare property listings with this price per square meter calculator to turn total price and floor area into consistent per-sqm, per-sq-ft.
Property Management Cost Calculator
Estimate first-year property management cost from monthly rent, management fee percentage, and leasing fee.
Prorated Rent Calculator
Calculate prorated rent for a partial month from monthly rent and days in the month, with move-in day counted as occupied and a clear daily-rate breakdown.
Real Estate Commission Calculator
Estimate real estate commission, agent split, and seller proceeds from your sale price and commission percentage with this real estate commission calculator.
Refinance Break Even Calculator
Calculate the refinance break-even month, monthly savings, annual savings, and payback timing from current payment, new payment, and closing costs.
Refinance Calculator
Compare your current mortgage to a refinanced loan to see new monthly payments, total interest savings.
Remortgage Calculator UK
Compare a UK mortgage being remortgaged against the current deal, showing monthly payment change, fee-adjusted break-even timing.
Rent Affordability Calculator
Estimate an affordable monthly rent ceiling from gross income, compare 30/35/40% housing bands, and see what income remains after rent.
Rent Calculator
Estimate how much rent you can afford from gross income, 30%/35%/40% rent guidelines, target rent, utilities, renters insurance, parking.
Rent Increase Calculator
Calculate the new monthly rent after a percentage or fixed-dollar increase, plus the annual cost impact.
Rent vs. Buy Calculator
Use this rent vs buy calculator to compare buying versus renting, test break-even timing, include mortgage insurance and renter fees.
Rental Commission Calculator
Estimate rental commission, broker fees, or letting agent fees from monthly rent and commission rate, with annual-rent and months-of-rent interpretation.
Rental Property Calculator
Estimate rental property cash flow, cap rate, and cash-on-cash return from purchase price, down payment, mortgage terms, rent, and operating cost assumptions.
Rental Property Depreciation Calculator
Estimate residential rental property depreciation.
Stamp Duty Calculator
Estimate SDLT, LBTT, or LTT for a UK residential purchase, then review buyer reliefs, higher-rate surcharges, and the total upfront cash needed to complete.
True Cost Real Estate Commission Calculator
Estimate seller net proceeds by subtracting real estate commission and closing costs from a home sale price.
Va Mortgage Calculator
Estimate VA mortgage payment including funding fee handling, with amortisation summary and VA-specific eligibility notes.
What To Offer On A House Calculator
Estimate what to offer on a house from list price, comps, repair costs, days on market, seller leverage, and market conditions.
Featured calculators
Start with these tools if you want the fastest route into the most common decisions in this topic.
Mortgage calculator for estimating monthly mortgage payments with taxes, insurance, PMI, amortization, extra payments, payoff timing, biweekly payments.
Why click this one
The main starting point for payment, interest, and term trade-offs.
Estimate how much house you can afford from income, debts, down payment, rates, taxes, insurance, PMI, closing costs, reserves, DTI ranges.
Why click this one
Best for turning income, deposit, and debt commitments into a realistic buying range.
Mortgage calculator for estimating monthly mortgage payments with taxes, insurance, PMI, amortization, extra payments, payoff timing, biweekly payments.
Why click this one
Shows how extra payments change payoff timing and interest cost.
Mortgage decisions rarely stop at one number. A realistic search flow usually moves from how much could I borrow, to what would the payment be, to whether overpaying or refinancing changes the cost enough to matter. This hub is structured around that sequence so you can choose the right calculator for the stage you are in rather than forcing one mortgage tool to answer every question.
Which mortgage calculator should I use?
It is the right tool for monthly payment, total interest, and term comparison questions.
It is better when the unknown is the loan size you can support, not the payment on a loan you have already chosen.
It shows whether extra monthly payments change payoff timing and total interest enough to justify the cash commitment.
Mortgage tool comparisons
If you do not know the loan amount yet, start with affordability. If you do know it, move straight to payment modelling.
Overpayment assumes the same loan with extra cash. Refinance tools ask whether a new rate or term changes the result enough to switch.
Use them after you have a plausible mortgage scenario and want to compare it with the cost of renting.
Guides for this topic
Use these guides when you want context, not just a result box.
Use mortgage, affordability, debt-to-income, and down payment calculators together to find a realistic home budget before you start looking.
Why this guide matters
Pairs naturally with the affordability tools when you need a budgeting framework before house-hunting.
Work out whether refinancing actually saves you money by comparing your current mortgage with new terms — including the break-even point.
Why this guide matters
Useful once you have baseline payment numbers and need to judge whether a refinance is worth the friction.
Stop guessing whether you should rent or buy — use mortgage, affordability, and rent calculators to compare the real costs side by side.
Why this guide matters
Helps you move from pure mortgage maths to the broader housing decision.
Common questions
The standard formula divides the loan amount by the present value of an annuity at the monthly interest rate over the number of payment periods. In plain terms: a higher rate or shorter term raises the monthly payment, while a larger deposit or longer term lowers it. The mortgage calculator uses this formula and updates the result instantly as you change inputs.
The core mortgage calculator focuses on the loan repayment cost — principal and interest. It does not automatically include stamp duty, solicitor fees, or surveying costs. Add those separately to get a full picture of the total cash needed to complete a purchase.
Both figures matter. A longer term lowers the monthly payment but significantly increases the total interest paid over the life of the loan. Compare the total cost column alongside the monthly figure to see the true price difference between deal options.
