Calculate Your Mortgage Payment by Hand (So No One Can Fool You)
You do not need to trust a black box. One formula produces your payment, and knowing it lets you sanity-check any lender and see exactly which lever moves the cost.
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Buying a Home
6 tools
Mortgage Payment Calculator
Estimate your full monthly mortgage payment — principal, interest, taxes, insurance, and PMI.
Mortgage Affordability Calculator
Find the home price your income comfortably supports, based on a healthy debt-to-income ratio.
Down Payment Calculator
See how much you need to put down, how long to save it, and when you clear the 20% PMI line.
PMI Calculator
Estimate your monthly Private Mortgage Insurance and when it can be removed.
Rent vs Buy Calculator
Compare the long-term cost of renting versus buying a home.
Closing Cost Calculator
Estimate your closing costs by state — title insurance, taxes, and fees.
Owning & Refinancing
4 tools
Mortgage Refinance Calculator
Compare your current loan to a new one — monthly savings, break-even point, and lifetime savings.
ARM vs Fixed Calculator
Compare an adjustable-rate mortgage to a fixed-rate loan over time.
Home Equity Calculator
Calculate your home equity, loan-to-value, and HELOC borrowing power.
Property Tax Calculator
Estimate annual and monthly property tax by state.
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States covered
2026
Rates & rules updated
From the guides
All guides →Property Tax: The Permanent Cost That Never Gets Paid Off
Buyers obsess over the interest rate and ignore the cost that outlives the mortgage. Property tax can add hundreds a month, varies enormously by state, and never ends.
Home Equity Loan vs HELOC: A Lump Sum or a Faucet, and the Risk in Both
Both borrow against your house, but one is a fixed lump sum and the other a variable faucet with a payment shock built into year ten. Here is how to choose, and what to fear.
Why trust these numbers?
Every calculator shows its formula and cites its data sources. We publish a "Last updated" date on each tool, keep rates and rules current for 2026, and never gate results behind a sign-up. We are not a lender or broker — so the math has no agenda. Always confirm final terms with a licensed professional.
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