Mortgage Calculator
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Estimate monthly mortgage payments with optional tax, insurance, and HOA (defaults to 30 years).
- On your device
- No signup
Finance topic guide
Mortgage calculators
Free mortgage calculators for monthly payments, affordability, amortization schedules, and refinance break-even estimates on your device.
11 free tools in this guide — pick one below to get started.
What mortgage calculators should I use?
Start with Utilnivo’s Mortgage Calculator for PITI (principal, interest, taxes, insurance, HOA), then use Mortgage Affordability for budget limits, Mortgage Extra Payment for payoff timelines, and PMI Calculator when down payment is under 20%.
Tools in this guide(11)
Open a tool to calculate, convert, or edit — no signup required.
Mortgage Affordability Calculator
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Estimate how much home you can afford from income, debts, and loan terms.
- On your device
- No signup
Mortgage Amortization Calculator
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Generate a mortgage amortization schedule with principal and interest breakdown.
- On your device
- No signup
Mortgage Refinance Calculator
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Compare current and refinanced mortgage payments.
- On your device
- No signup
Rent vs Buy Calculator
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Compare the cost of renting versus buying a home over time.
- On your device
- No signup
Biweekly Mortgage Payment Calculator
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Compare biweekly versus monthly mortgage payments and payoff time.
- On your device
- No signup
Home Equity Loan Calculator
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Estimate a $100,000 home equity loan payment and how much equity you can borrow.
- On your device
- No signup
HELOC Payment Calculator
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Estimate HELOC interest-only draw payments and later repayment amounts.
- On your device
- No signup
Mortgage Extra Payment Calculator
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See interest and time saved from additional mortgage payments with a balance chart.
- On your device
- No signup
Auto Lease Calculator
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Estimate monthly car lease payments from cap cost, residual, and money factor.
- On your device
- No signup
Car Affordability Calculator
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Find how much car you can afford from income, debt, and payment ratios.
- On your device
- No signup
Overview
Mortgage calculators help you translate home price, down payment, rate, and term into a payment you can budget around. This cluster covers payment estimates, how much house you might afford, full amortization tables, and simplified refinance comparisons.
Use the Mortgage Calculator for PITI-style breakdowns when you know taxes or insurance. Mortgage Affordability Calculator works backward from income and debt limits you enter. Amortization Calculator shows principal vs interest over time, which is helpful when evaluating 15-year vs 30-year terms. Refinance Calculator compares monthly savings against closing costs you provide.
Real underwriting includes credit score tiers, PMI, HOA, and local tax rules these tools may not model. Treat outputs as planning numbers and confirm with a licensed loan officer before making offers.
How to choose
- Monthly payment estimate → Mortgage Calculator.
- Budget from income → Mortgage Affordability Calculator.
- Principal/interest over time → Mortgage Amortization Calculator.
- Refinance scenario → Mortgage Refinance Calculator.
Frequently asked questions
Do mortgage calculators include property taxes?
The Mortgage Calculator can include tax and insurance fields when you provide amounts. Other tools may focus on principal and interest only.
Can I compare 15-year and 30-year loans?
Yes. Run the same home price and rate in each term using Mortgage Calculator or Amortization Calculator and compare totals.
Is this mortgage advice?
No. Results are estimates for planning. Lender programs and local rules vary.
Step-by-step workflows (12)
Multi-step guides that chain tools from this topic—follow numbered steps instead of guessing tool order.
- Build a personal finance planEstimate income, set a budget, plan debt payoff, fund emergencies, and project retirement.6 steps
- Plan credit card payoffCompare payoff timelines, snowball vs avalanche order, and how extra payments change interest.4 steps
- Plan a loan or major purchaseEstimate EMI, compare mortgage scenarios, and run quick percentage math before you borrow.4 steps
- Refinance or buy vs rentEstimate affordability, compare renting to buying, and model refinance savings.3 steps
- Buy a car with confidenceEstimate auto loan payments, compare offers, and check the payment against your budget.3 steps
- Split a restaurant billCalculate tip on the total, then split the check evenly among your table.2 steps
- Send a client invoiceDraft an invoice, assign a reference number, and add sales tax to the total.3 steps
- Track weight metricsEstimate BMI and percent change for wellness screening—not medical advice.2 steps
- Estimate take-home pay and budgetConvert salary or hourly pay to take-home estimates, then build a simple budget.4 steps
- Plan a mortgage payment scheduleCheck affordability, estimate payment, view amortization, then model extra payments.4 steps
- Check retirement contribution readinessModel 401(k) and Roth growth, confirm limits, compare account types, then project retirement needs.5 steps
- Compare contractor vs W-2 payWeigh contractor vs employee offers, estimate paychecks and tax drag, then size an emergency fund.4 steps