Plan smarter home loans: prepayment, refinance, rent-vs-buy.
See how extra EMI payments, yearly prepayments, and lump-sum part payments reduce your home loan tenure and save thousands in interest.
Find out how much house you can afford. Enter income, debts, down payment, and rate to get your max home price, recommended budget, monthly PITI, and the binding constraint.
Calculate your true monthly mortgage payment with taxes, insurance, and PMI included. See how much interest you'll actually pay over 30 years.
Find out if refinancing your mortgage actually saves money. Break-even month, lifetime interest savings, and the term-reset trap, all in one calculator.
See how much cash you can pull from a refi at 80% LTV, the new monthly payment, and lifetime cost of the cash.
See how monthly extras, bi-weekly payments, and yearly lump sums shorten your mortgage and save thousands in interest.
Calculate your FHA loan monthly payment including UFMIP, annual MIP, property tax, insurance, and HOA. See your true all-in cost and MIP cancellation timeline.
Estimate VA loan payments, funding fee, and lifetime interest, with no down payment required.
Estimate monthly PITI for a USDA zero-down loan, including the 1% upfront guarantee fee and 0.35% annual fee.
See monthly PMI cost, when it cancels at 78% LTV, and total PMI paid over the life of the loan.
See your max home price at current rates, including full PITI and front/back-end DTI thresholds.
Compare the true financial outcome of buying a home vs renting and investing the difference, year by year, with a break-even chart and clear recommendation.
Estimate your total US mortgage closing costs (lender fees, title, government taxes, and prepaids) and find out exactly how much cash you need to close.
Plan your home down payment: how much you need, how long to save, PMI tradeoffs.
See your home equity, current LTV, and how much you could borrow with a HELOC or home equity loan.
See how paying your mortgage every two weeks shortens the loan by years and saves tens of thousands in interest.
See your real tax savings from the mortgage interest deduction, after the standard deduction floor and SALT cap.
See your monthly payment, qualifying income, and reserves needed for a jumbo mortgage above the 2026 conforming limit.
Estimate the monthly escrow portion of your mortgage: property taxes, homeowners insurance, PMI, HOA, and the lender cushion.
See how much rent you can actually afford using the 30% rule, your real budget, and the upfront move-in cash you need before signing a lease.
Find the max home price you can actually afford using the 28/36 rule, your real debts, and today's mortgage rates.
