US Financial Calculators

Free mortgage and home loan calculators for the US market. No sign-up required.

Mortgage Calculator

Calculate your monthly PITI payment, visualize your full amortization schedule, and see how extra payments reduce your loan term and total interest.

PITI Amortization Extra Payments

FHA Loan Calculator

Estimate FHA mortgage payments including upfront and annual MIP insurance. Compare FHA vs conventional loan costs with minimum 3.5% down payment.

MIP Insurance 3.5% Down FHA vs Conventional

Refinance Calculator

Find out if refinancing your mortgage makes financial sense. Calculate your break-even point, monthly savings and total interest saved over the loan life.

Break-Even Point Monthly Savings Cash-Out
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Home Affordability Calculator

Find out how much house you can afford based on your income, debts and down payment. Uses the 28/36 DTI rule with 3 budget scenarios.

DTI Ratio 28/36 Rule PMI
Calculate Affordability β†’
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VA Loan Calculator

Calculate VA mortgage payments including the VA funding fee. Compare VA vs conventional loan costs. No PMI required for veterans and military.

VA Funding Fee No PMI Veterans
Calculate VA Loan β†’
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HELOC Calculator

Calculate your Home Equity Line of Credit limit, draw period payments and repayment schedule. Compare HELOC vs Home Equity Loan costs.

Draw Period Home Equity HELOC vs Loan
Calculate HELOC β†’