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
Estimate monthly payments including entered taxes and insurance; PMI is excluded.
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 and total repayment
Use calculator →Affordability Calculator
Explore an estimated home price ceiling based on your income and current debt.
Max home price, entered down payment, illustrative payment budget
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.
Estimated costs, sensitivity and break-even range
Use calculator →Amortization Schedule
See exactly how every payment splits between principal and interest.
Full month-by-month principal, interest and balance
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
TryFinCalc uses standard time-value-of-money formulas documented on our Methodology page. Automated tests compare each implementation with independently calculated examples. Results are estimates and may exclude taxes, fees, insurance, lender rules, or local costs unless those inputs are shown.
US-first illustrative assumptions; USD and EUR display options
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 $510,177.95 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 →Affordability estimates are not approval rules
The calculator turns the income, debt, down payment, rate, term, and ownership-cost assumptions you enter into a planning estimate. Actual borrowing limits and documentation requirements vary by lender, loan program, and jurisdiction. Compare the result with a written quote rather than treating it as a qualification decision.
Check your affordability →Refinancing: the break-even math most people skip
In an illustrative scenario with $6,000 of entered fees and $200 of modeled monthly savings, the simple break-even point is 30 months. Leaving or refinancing earlier may mean the modeled savings do not recover the entered upfront costs. Compare the estimate with written fees and terms for your loan.
Find your break-even →