Mortgage
Loan, savings, investing and planning calculators using standard amortization mathematics, transparent assumptions and cited conventions.
Mortgage Calculator
Calculate your monthly mortgage payment, total interest paid and loan amount using standard amortization. Includes the 28/36 affordability rule.
Amortization Calculator
See how a loan amortizes: monthly payment, first-year interest vs principal split, halfway balance and total interest using the standard formula.
Mortgage Affordability Calculator
Estimate how much house you could afford using the 28/36 rule: maximum home price, loan amount and monthly payment from income and debts.
Refinance Calculator
Compare your current mortgage payment with a refinanced rate: monthly savings, lifetime savings after closing costs, and the breakeven month.
USA Mortgage Calculator
Estimate a US monthly mortgage payment, loan principal and total interest with standard amortization. Covers 30-year fixed loans, PMI and closing costs.
UK Mortgage Calculator
Estimate a UK monthly mortgage payment, loan amount and total interest. Covers 2- and 5-year fixed deals, the SVR revert rate, deposits and Stamp Duty (SDLT).
South Africa Bond Calculator
Estimate a South African home loan (bond) repayment, loan amount and total interest. Covers the prime lending rate, deposits, transfer duty and bond costs.
Australia Mortgage Calculator
Estimate an Australian home loan repayment, loan amount and total interest. Covers variable rates, offset accounts, the RBA cash rate, LMI and stamp duty.
Canada Mortgage Calculator
Estimate a Canadian mortgage payment, loan amount and total interest. Covers 5-year terms, 25-year amortization, the stress test, CMHC insurance and LTT.
India Home Loan Calculator
Estimate a home loan EMI, loan amount and total interest in India. Covers repo-linked lending rates (RLLR), LTV limits, down payment and state stamp duty.
Germany Mortgage Calculator
Estimate a German mortgage (Baufinanzierung) payment, loan and total interest. Covers Sollzinsbindung, Tilgung, Restschuld and Grunderwerbsteuer.
China Mortgage Calculator
Estimate a Chinese mortgage payment, loan amount and total interest. Covers the 5-year LPR benchmark, city-tier down payment rules and deed tax.
Interest-Only Mortgage Calculator
Calculate interest-only payments and the payment jump when amortization begins. See exactly how much your payment rises after the IO period ends.
Balloon Mortgage Calculator
Calculate your balloon mortgage payment and the exact balloon amount due — the remaining loan balance — at the end of the balloon term.
Biweekly Mortgage Calculator
See how switching to biweekly mortgage payments shortens your payoff time and reduces total interest, simulated payment by payment.
ARM Calculator
Model an adjustable-rate mortgage scenario: enter a hypothetical post-adjustment rate to see the new payment on the balance at the reset date.
Mortgage Points Calculator
Calculate the cost of mortgage discount points, the reduced rate and monthly savings, and the exact breakeven month when points pay for themselves.
Construction Loan Calculator
Estimate interest-only construction loan costs using a linear-draw assumption, plus the peak and average monthly interest during the build.
Bridge Loan Calculator
Calculate bridge loan interest, origination fee and effective annualized cost — short-term interest-only financing used between two transactions.
Mortgage Payoff Calculator
See exactly how much time and interest an extra monthly payment saves on your mortgage, with a full amortization comparison against your current schedule.
Extra Mortgage Payment Calculator
Model recurring extra monthly payments and a one-time lump sum together to see the combined effect on your mortgage payoff time and interest cost.
HELOC Calculator
Calculate your interest-only payment during the draw period and the higher fully amortizing payment during repayment on a home equity line of credit.
Home Equity Loan Calculator
Calculate how much home equity you can borrow at a given CLTV limit, plus the monthly payment, total interest, and combined loan-to-value ratio.
Mortgage Comparison Calculator
Compare two mortgage offers side by side: monthly payments, lifetime cost including fees, and the break-even point where higher upfront fees pay off.