Mortgage Calculators

A collection of calculators for detailing mortgage amortization, estimating mortgage payments, analyzing debt consolidation, and much more!

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Basic Mortgage Payment Calculator
This basic mortgage payment calculator uses the base proposed loan amount, interest rate, and loan terms to establish principal and interest payment figures.

Basic Payment Calculator With Amortization Schedule
This payment calculator includes a printable amortization schedule with interest factored by year (rather than the traditional monthly amortization).

Bi-Weekly Mortgage Payment Calculator
This complex bi-weekly mortgage payment calculator will allow you to see the full impact that a bi-weekly repayment plan can have over the life of a traditional mortgage.

How Much Home Can I Afford Calculator
This is one of our favorite calculators. Using your income, your debts, and other important factors, we calculate the information against today's underwriting ratios to identify a pretty accurate amount as to how much home you can afford to purchase. A great tool for the home buyer!

Debt Consolidation Calculator
Compare the difference between existing monthly payment plans for individual creditors and a loan program that would consolidate these debts into a single note.

Credit Card Calculator
This calculator can assist you in putting together a repayment strategy that can be used to payoff credit cards and installment loans without the need of using your home's equity.

Downpayment Or Closing Costs Savings Goal Calculator
If you need to save a downpayment, want to save for closing costs, or simply want to build up your savings, use this savings calculator to assist in establishing affordable monthly goals. One of the worst things we do to ourselves is work every day, yet fail to pay ourselves every week. Start saving today and paying yourself while you pay your debts.

Millionaire Calculator
This calculator will let you see just what it takes to save in order to be a millionaire in the future.

PITI Mortgage Calculator
This mortgage payment calculator not only factors the principal and interest payments on a proposed mortgage, but it will also allow you to include property taxes and homeowner insurance estimates to establish a true PITI payment for a proposed loan and specific property.

Mortgage Calculator With Amortization Schedule
This basic payment calculator provides you with principal and interest payment views, along with a printable monthly payment amortization schedule.

FHA Mortgage Calculator
This complex FHA mortgage calculator allows you to factor in your downpayment, credits from a seller, and closing costs to determine just what it will actually take to close on your home. Use your good faith estimates to help fill in the information. As an added bonus, the calculator will factor an amortization schedule built around your loan scenario that you can print out an keep with a property profile.

Debt-To-Income Ratio Calculator
This debt ratio calculator can help give you a snapshot of your overall financial health. Use this calculator to compare your debt ratios with those necessary for qualifying for a mortgage program. Great tool, great information to know!

Installment Loan Payment Calculator
The installment loan calculator is designed to help you factor the costs and monthly payment for utilizing our downpayment savings tips that are found under our downpayment assistance page -- great technique for building wealth, credit, and savings.

Interest Rate Calculator
The amount of interest you pay on your mortgage loan can have a devastating impact on what you can afford to buy. In a market where interest rates are on the rise, it's important for consumers to understand just how dramatic of an impact a change in the rate of interest can have on home affordability.

15 Vs. 30 Year Mortgage Calculator
The 15 vs. 30 year mortgage calculator can give you a printable report showing just how much you can save by choosing a 15 year mortgage over a 30 year loan. Can you afford the increase in payments? If you can, it might be the best financial choice for you.

80 20 Mortgage Calculator
Considering taking out a home equity line of credit, second mortgage, or home equity loan? Use this calculator to get a blended rate on a first and secondary mortgage loan.

Loan Amortization Calculator
Get a payment amortization schedule, along with accurate weekly principal and interest payment amounts you'll need to make in order to pay off your mortgage early. Factoring options include the number of years you want to have your mortgage paid off in (1 through 30 years) and the frequency in which you want to make payments -- monthly, bi-monthly, bi-weekly, and weekly. GREAT TOOL for planning an early mortgage payoff.

Adjustable Rate Vs. Fixed Rate Mortgage Calculator
Are you considering taking out an adjustable rate mortgage? Run a side-by-side comparison and see what the difference could be between an ARM and fixed rate mortgage with a running amortization schedule. Includes an interest only repayment option for additional comparison purposes.

Balloon Mortgage Calculator
A balloon mortgage is a mortgage product that establishes monthly repayment terms amortized at a set, fixed period, but matures with a full remaining balance at the end of the pre-established monthly payment term. An example of a balloon mortgage would be 36 monthly payments amortized over 30 years, with the actual balance coming due or "ballooning" at the end of the 36th month.

Credit Calculator
The credit calculator allows you to calculate your credit grade by selecting from multiple past repayment options. Get an idea of how your credit might be graded for an FHA loan. Do keep in mind that this calculator does not account for unpaid negative items and qualifying income -- which could both significantly impact your ability to qualify for a loan.

Downpayment Calculator
This is a quick downpayment calculator designed to give you an idea of what you need to have for downpayment requirements based upon FHA and conventional loan programs. The calculator accounts for 4 specific downpayment thresholds of 3%, 10%, 15%, and 20%.

How Much Mortgage Can I Afford?
This detailed calculator breaks down your debt and proposed mortgage payments to tell you what your income will have to be in order to afford a specific home based upon income and debt ratio requirements. It's a fantastic tool for visually demonstrating all of the ratio details; plus, you'll get additional information based upon higher rates than what you are basing current information on. See the impact that higher rates down the road could have on your ability to buy a home.

Mortgage Amortization Schedule
This is a very basic loan amortization calculator using loan amount, interest rate, and loan terms. It can be used for installment loans, mortgage loans, or fixed rate credit cards to factor an amortization repayment schedule.

How Much Can I Borrow Mortgage Calculator
This mortgage calculator will tell you exactly how much you can borrow for a mortgage based upon your qualifying income, debts, estimated property taxes, estimated insurance, estimated HOA fees, and estimated mortgage insurance. A must-use for everyone looking to see how much home they can really afford buy.

Mortgage Tax Benefit Calculator
While we always recommend you speak with a tax accountant concerning your specific benefits, this calculator will give you an idea of the tax benefits of owning a home versus renting.

APR Calculator
The APR (annual percentage rate) factors your cost to close based upon your loan term and estimated costs to close. You'll need to gather a sample GFE in order to really work out the hard numbers on this, but it can show you the actual APR based upon you proposed loan.

Points Calculator
Ever wonder what the benefits are of buying down your interest rate via points? This calculator will show you in an amortized fashion how much you will save in interest over the life of your mortgage if you elect to buy down your interest rate.

Refinance Calculator
The fact is, refinancing a loan does not always make sense. If you have a high interest rate and you can reduce that rate considerably, then you need to consider how long you have been paying your existing mortgage before you jump on the refinance train. Check out our refinance calculator and see if it makes sense for you.

Rent Vs. Own Calculator
If you're a current renter trying to decide if buying a home makes sense for you in today's market, check out this detailed calculator that can give you a very good long term view of whether you should buy or continue to rent.

Real Estate Investor ROI Calculator
This calculator is designed to give real estate investors an idea of the financial drawbacks and benefits of investing in and renting out residential real estate. We recommend you speak with a tax professional before making any real estate investment decisions.

Pay Your Mortgage Off Early Calculator
If you're interested in putting together a strategy for paying off your mortgage early by using extra cash you have on hand, this calculator will break down how much money you need to pay each month in order to accomplish a payoff over a specific set number of years.

Pre-pay Mortgage Vs. Investing Calculator
This calculator takes into account a range of variables to determine whether you should make the move to pay your mortgage off early, or instead, take those funds and invest them in other higher yield investments.

*All of our calculators are for education purposes only and we do not guarantee the accuracy of any of the information created via the individual calculator programs. Please consult with a financial professional before making any financial decisions based upon the information presented by these calculators.

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