Free Mortgage & Loan Calculators — See the Real Numbers
Calculate your monthly payment, total interest, affordability, and break-even point in seconds. No sign-up. No paywall.
Example: $400k at 6.5% for 30 years
Which calculator do you need?
Mortgage Calculator
Calculate your exact monthly payment including taxes, insurance, and PMI.
Full PITI breakdown, 15 vs 30-year comparison
Use calculator →Loan Calculator
See the real cost of a personal or auto loan before you sign.
Monthly payment, total interest, full amortization
Use calculator →Affordability Calculator
Find your actual home price range based on your income and current debt.
Max home price, required down payment, safe payment range
Use calculator →Refinancing Calculator
Find out if refinancing your mortgage actually saves you money.
Monthly savings, lifetime savings, break-even in months
Use calculator →Rent vs. Buy
Compare the true 10-year cost of renting versus buying.
Financial verdict with total cost and break-even year
Use calculator →Amortization Schedule
See exactly how every payment splits between principal and interest.
Full month-by-month schedule, year summaries
Use calculator →Monthly Payment Calculator
Quickly estimate any loan payment by amount and rate.
Instant payment estimate, total cost over term
Use calculator →Total Interest Calculator
Find out how much a loan actually costs over its full lifetime.
Total interest paid, cost-per-year, term comparison
Use calculator →All calculations run in your browser — your data never leaves your screen
Formulas validated against CFPB and Federal Reserve standards
Supports USD and EUR — built for US and European users
No sign-up. No email. No paywall. Free forever.
What most people get wrong about borrowing
Monthly payment isn't the full story
Most people negotiate on monthly payment, but that's the wrong number to optimize. A 30-year mortgage at 6.5% on a $400,000 home costs $510,080 in interest alone — more than the home itself. Stretching to a longer term lowers your monthly bill, but the lifetime cost is dramatically higher. The honest number to look at is total cost of financing, not just what hits your bank account each month.
Calculate your total interest →The 28% rule: what lenders actually check
Lenders use a front-end debt-to-income ratio to decide if you qualify. The standard is 28%: your monthly housing payment shouldn't exceed 28% of your gross monthly income. On an $80,000 salary, that's $1,867/month max for housing. But lenders also check back-end DTI — all your debts combined. If you carry car loans or student debt, your effective buying power is lower than the 28% rule suggests.
Check your affordability →Refinancing: the break-even math most people skip
Refinancing to a lower rate saves money monthly — but closing costs erase those savings up front. If refinancing costs $6,000 and saves $200/month, you need 30 months just to break even. Move before then and you've lost money. The break-even calculation is simple, but most people skip it and refinance based on rate alone. Run the numbers before you commit to new closing costs.
Find your break-even →