Mortgage and Loan Calculators
These calculators cover borrowing: the monthly cost of a mortgage with taxes, insurance and PMI, how much house an income supports, whether a refinance pays for itself, what a car loan or lease really costs, the fastest way to clear several debts, the debt-to-income ratio lenders check, student loan repayment and the true APR once fees are counted.
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All Loans & Mortgages (9)
Mortgage Calculator
Monthly mortgage payment with taxes, insurance, PMI, extra payments and an amortization scheduleHouse Affordability Calculator
How much house you can afford from income, debts, down payment and rateRefinance Calculator
Compare your current mortgage with a refinance and find the break-even monthAuto Loan Calculator
Car loan payment with trade-in, down payment, sales tax and feesCar Lease Calculator
Monthly lease payment from price, residual value, money factor and termDebt Payoff Calculator
Pay off credit cards and loans with the avalanche or snowball methodDebt-to-Income Ratio Calculator
Front-end and back-end DTI ratios lenders use to approve a loanStudent Loan Calculator
Student loan payments, payoff date and the effect of extra paymentsAPR Calculator
Real annual percentage rate of a loan once fees are included
Which tool do I need?
Work out my monthly mortgage payment with taxes and insurance
Enter the price, down payment, rate and term, then add property tax, insurance, PMI and HOA to see the full monthly cost and schedule.
Find out how much house I can afford
Enter income, debts, down payment and rate to see the maximum price and which lender ratio limits it.
House Affordability CalculatorDebt-to-Income Ratio Calculator
Decide whether refinancing is worth it
Compare the current loan with the new rate and closing costs to see the monthly saving and the month you break even.
Compare buying and leasing a car
Price the loan with trade-in and tax, then the lease with residual and money factor, and compare the totals.
Plan the fastest way out of credit card debt
List every balance, rate and minimum, then compare the avalanche and snowball orders by payoff date and interest.
About Loans & Mortgages
Each one shows the full picture rather than a single payment: amortization schedules, total interest, payoff dates, break-even months and charts of the balance over time. Extra payments, closing costs, trade-ins and points can all be added, because those are usually what decides between two options.
Results are estimates for planning. Lenders apply their own rules for credit scores, reserves, mortgage insurance and fees, and rates change daily, so use these numbers to compare options and prepare questions, then confirm with an official Loan Estimate or the lender's quote. For a simple fixed-rate loan with an EMI schedule, the EMI Calculator is also available.
Guides
- Mortgage Maths: Payments, PMI, Affordability, Refinancing and APRWhere a mortgage payment comes from, when PMI ends, how lenders decide what you can afford, how to find a refinance break-even, and why APR is higher than the rate.
- Car Loans, Leases and Paying Off Debt: The Numbers That MatterHow car loans and leases are priced, what a money factor really is, avalanche versus snowball, debt-to-income limits, and how student loan interest builds up.
Frequently asked questions
What does PITI mean in a mortgage payment?
Principal, interest, taxes and insurance. The Mortgage Calculator adds property tax, homeowners insurance, PMI and HOA dues to the loan payment so you see the full monthly cost.
Why is the APR higher than the interest rate?
APR spreads upfront fees and points over the life of the loan, so it reflects the total cost of borrowing. Two loans with the same rate but different fees have different APRs.
Is the avalanche or snowball method better for paying off debt?
Avalanche, paying the highest rate first, always costs less interest. Snowball, paying the smallest balance first, gives quicker wins. The Debt Payoff Calculator shows how big the difference is for your debts.
What debt-to-income ratio do lenders want?
Many conventional lenders look for a back-end ratio at or below about 36 to 43%, with some programs allowing more. Rules vary by loan type and lender, so treat these as typical figures.
Do these calculators include my credit score?
No. Enter the rate you have been quoted or expect. Credit scores affect the rate and mortgage insurance a lender offers, which these tools take as inputs.