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Housing, Mortgage & Real Estate Calculators

Purchasing a home or refinancing an existing mortgage is often the largest financial commitment in an individual's lifetime. Beyond the advertised loan interest rate, true housing costs encompass municipal property taxes, homeowners hazard insurance, and Private Mortgage Insurance (PMI). Our housing tools break down complete PITI payments, calculate maximum purchase prices using lender 28/36 debt-to-income benchmarks, evaluate the true opportunity cost of renting versus buying, and pinpoint your exact break-even timeline when considering a mortgage refinance.
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Mortgage Payment & PITI Calculator

Calculate monthly principal, interest, property taxes, home insurance (PITI), and full amortization schedules across 15 and 30-year loans.

PITI & Amortization Calculate ā†’
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Home Affordability Calculator (28/36 Rule)

Determine maximum affordable home price and monthly mortgage budget based on gross income, down payment savings, and existing debt.

28/36 Rule Calculate ā†’
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Mortgage Refinance Break-Even Calculator

Determine the exact month when your monthly payment savings exceed upfront refinance closing costs to ensure refinancing is profitable.

Break-Even Math Calculate ā†’
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Rent vs. Buy Calculator: True Cost Math

Compare unrecoverable ownership costs (property taxes, maintenance, PMI) against renting and investing down payment cash in index funds.

Opportunity Cost Calculate ā†’

Explore Other Calculator Suites

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