START WITH THE QUESTION YOU HAVE
Choose a calculator below. Each one explains what numbers to enter, where to find them and what the results mean.
Compare replacing your mortgage, borrowing against your home or combining debts.
Refinance Savings
Compare your current mortgage with a new loan. Include closing fees and the time you expect to keep it. A smaller payment does not always mean a cheaper loan.
Open Refinance Savings Calculator →Cash-Out Refinance vs. Home-Equity Loan
Compare the same cash received through one larger refinance or a fixed home-equity loan while keeping your first mortgage. See both payments, loan costs and debt still owed.
Open Cash-Out Refinance vs. Home-Equity Loan Calculator →Combine First and Second Mortgages
Keep both current fixed loans and their payoff dates, or replace both balances with one new mortgage. Compare payments, fees, insurance and debt still owed.
Open Combine First and Second Mortgages Calculator →Home Equity & Underwater Goals
Track estimated equity, explore an underwater mortgage or find the monthly extra for an equity goal. Include another home loan and your own value-change assumption.
Open Home Equity & Underwater Goals Calculator →Debt Consolidation
Keep your debts or pay them off with a cash-out refinance or fixed home-equity loan. Compare fees, debt remaining, total borrowing costs and payoff time.
Open Debt Consolidation Calculator →Find a budget, compare renting and buying, or explore saving a larger down payment.
Housing Affordability
Start with money you bring home, bills, debts and savings. Include taxes, insurance and upkeep, then check upfront cash or try a listing price. This is a budget estimate, not lender approval.
Open Housing Affordability Calculator →Rent vs. Buy
Compare monthly costs and the longer view. Add taxes, insurance, upkeep, buying and selling fees, and your own assumptions about future prices.
Open Rent vs. Buy Calculator →Buy Now or Save a Bigger Down Payment?
Compare buying now with saving while renting and buying later. See cash needed, monthly costs, rent paid while waiting, and remaining debt at the same end date. Save a payment-and-cash goal.
Open Buy Now or Save a Bigger Down Payment? Calculator →Understand how rates, loan length, fees and points change the cost.
Compare Mortgage Offers
Compare two or three fixed-rate offers. Include points, credits and financed fees. See monthly bills, closing cash and same-period borrowing costs. Save a payment target.
Open Compare Mortgage Offers Calculator →15-Year vs. 30-Year Mortgage
Compare two fixed-rate loan terms using the same mortgage amount. See monthly payments, total interest, fees and the balance still owed after the same number of years.
Open 15-Year vs. 30-Year Mortgage Calculator →Fixed vs. Adjustable Mortgage
Test steady, falling, rising and maximum-rate scenarios. Compare possible later payments, rate limits and borrowing costs over the same time.
Open Fixed vs. Adjustable Mortgage Calculator →Mortgage Points
Compare actual fixed-rate quotes with and without points. See upfront fees, monthly payments, two break-even measures and costs after 3, 5 and 10 years.
Open Mortgage Points Calculator →Explore extra payments, payment timing and possible mortgage-insurance milestones.
Extra Payments & Payoff-Date Goals
Choose a payoff month or test monthly extras, a lump sum, yearly payments and later increases. See the interest you could avoid and save a progress plan.
Open Extra Payments & Payoff-Date Goals Calculator →Biweekly Mortgage Comparison
Compare regular monthly payments with two biweekly crediting illustrations. See how payment timing and program fees can change estimated savings.
Open Biweekly Mortgage Comparison Calculator →PMI Removal Timing
Estimate a possible PMI request milestone, the original automatic schedule and how extra principal could change the timing. Confirm conditions with your servicer.
Open PMI Removal Timing Calculator →Free educational estimates. Calculations stay in your browser. Selected tools let you choose to save a plan in your private account. These tools do not provide lender quotes, approval or personalized loan recommendations.