Finance Calculators

Mortgage planning, refinancing, and equity tools for major homeowner money decisions.

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Mortgage

Payment structure, affordability, points, PMI, and long-term schedule planning.

Monthly P&I, full payment estimate, and amortization summary for homeowners.

Estimate max monthly housing payment and home price from DTI and income constraints.

Compare no-points vs points scenarios with monthly savings, break-even timing, and horizon net savings.

Estimate PMI cancellation timing, total PMI paid, and payment impact with optional extra principal.

Build a monthly amortization path with optional extra principal and exportable schedule data.

Compare renting and buying outcomes at 5 and 10 years with equity and breakeven horizon.

Refi / Equity

Compare refinance and equity access paths with transparent assumptions.

Compare current vs new mortgage payment and estimate break-even timing.

Compare monthly payment and interest tradeoffs between HELOC and cash-out refinance.

Estimate HELOC monthly payment during draw and repayment with interest-only or amortized draw options.

Estimate new loan amount, monthly P&I, net cash received, and 5-year refinance cost impact.

Estimate your current equity, available borrowing room at max LTV, and current loan-to-value ratio.

Planning

Project-level return and financing tradeoff planning calculators.

Estimate project ROI, net value impact, and payback scenarios.

Compare renovation funding options with monthly payment, total interest, and value-based break-even estimate.