Best and Comprehensive Mortgage Calculators of 2026
Don't focus on just the rate.
Focus on what you need your payment to be.
Create Test Scenarios with our Mortgage Calculators
Our Mortgage Calculators are easy to use and comprehensive and offer:
- Estimated Taxes by State
- Estimated Homeowners Insurance
- Estimated PMI
- Expense Detail
- DSCR Loans
- DTI Calculations
Disclaimer
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances.
All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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Use the daily mortgage rates as a starting in our mortgage calculators
Affordability Mortgage Calculator
The affordability mortgage calculator helps borrowers estimate how much home they can afford based on their income, monthly debts, and financial goals. By factoring in loan terms, interest rates, and property taxes, it provides a realistic price range to guide confident homebuying decisions.
Estimate your Payments Mortgage Calculator
The Mortgage Payment Calculator helps you estimate your monthly payment with ease. By factoring in your loan amount, interest rate, loan term, and additional costs like taxes and insurance, it gives you a clear, accurate picture of what to expect. Use it to plan your budget, compare scenarios, and move forward in your homeownership journey with confidence.
Buydown Calculator
The Buydown Mortgage Calculator helps you estimate how paying discount points upfront can lower your interest rate and reduce your monthly mortgage payments. A mortgage rate buydown can lead to significant savings over the life of your loan, and this calculator lets you compare multiple buydown options to find the best strategy for your budget and long-term goals.
Net Proceeds Calculator
The Net Proceeds Calculator helps you estimate how much cash you’ll take home after selling your property. By factoring in your remaining mortgage balance, closing costs, real estate agent commissions, and other selling expenses, it provides a clear picture of your potential profit so you can plan your next move with confidence.
The DSCR Loan Calculator helps real estate investors evaluate a property’s ability to generate enough income to cover its debt. By calculating the Debt Service Coverage Ratio (DSCR)—which compares net operating income to total loan payments—it provides a clear view of cash flow, risk, and investment performance so you can make smarter financing decisions.
You may also visit our DSCR dedicated page.
More Calculators!
Amortization Mortgage Calculator
The Amortization Mortgage Calculator is a powerful online tool designed to help borrowers estimate monthly mortgage payments and understand how their loan is paid off over time. By entering key details like loan amount, interest rate, and loan term, you can view your estimated payment, total interest costs, and a detailed amortization schedule. This breakdown shows exactly how much of each payment goes toward principal versus interest, helping you plan smarter, save money, and make more informed home financing decisions.
Early Payoff Calculator
The Early Payoff Mortgage Calculator helps homeowners discover how making extra payments toward their mortgage can reduce total interest paid and shorten the loan term. By adjusting payment amounts, frequency, and timing, you can compare your original schedule to an accelerated payoff plan. This powerful tool gives you a clear picture of how much time and money you could save, helping you pay off your mortgage faster and build equity sooner.
Loan Comparison
The Loan Comparison Mortgage Calculator is a powerful tool that lets you compare multiple mortgage options side by side. Easily evaluate how differences in interest rates, loan amounts, term lengths, and down payments impact your monthly mortgage payment, total interest paid, and overall loan cost. By clearly highlighting the pros and cons of each option, this calculator helps you choose the best home loan for your budget, maximize savings, and make confident, informed financial decisions.
Advanced Mortgage Comparison
The Advanced Mortgage Comparison Calculator is a comprehensive tool designed to help you evaluate multiple loan options in detail. Compare interest rates, loan terms, programs, down payments, closing costs, taxes, and insurance to see the true cost of each mortgage. With a clear breakdown of monthly payments, total interest paid, and long-term value, it empowers you to choose the best mortgage solution for your financial goals and maximize your savings.
Blended Rate Loans
The Blended Rate Mortgage Calculator helps homeowners estimate a new interest rate when combining an existing mortgage with additional funds, such as during refinancing or when accessing home equity. By blending your current rate with a new rate on the added balance, this calculator shows your updated blended interest rate, estimated monthly payment, and overall loan impact. Use it to evaluate if a blended mortgage strategy can lower costs, improve cash flow, and support your long-term financial goals.
Debt Consolidation Calculator
The Debt Consolidation Mortgage Calculator helps you determine whether combining your debts into a single loan is a smart financial move. By comparing current balances, interest rates, and monthly payments with a new consolidated mortgage, it shows potential monthly savings, total interest costs, and payoff timelines. Use this tool to simplify your finances, reduce debt faster, and make more informed mortgage and refinancing decisions.
