Unlock smarter home financing
10 free mortgage calculators for payments, affordability, refinancing, and more. Real formulas, instant results, no sign-ups.
Calculate your monthly mortgage payment, total interest, and see a visual breakdown of principal vs interest.
Detailed PITI breakdown with property taxes, homeowner's insurance, and PMI.
CalculateHow much home can you afford based on your income, debts, and down payment?
CalculateShould you refinance? Compare current vs new loan with break-even analysis.
CalculateCompare the total cost of renting vs buying over time with appreciation.
CalculateSee how extra payments shorten your mortgage and save on interest.
CalculateFull amortization schedule showing monthly principal, interest, and balance.
CalculateEstimate closing costs by state including origination, title, and escrow.
CalculateCalculate down payment amounts and see PMI impact at different levels.
CalculateCompare adjustable rate vs fixed rate mortgages side by side.
CalculateEvery calculator uses standard mortgage math — amortization, PMI thresholds, PITI breakdowns. Not generic loan calculators with a mortgage label.
See payment breakdowns, amortization charts, and side-by-side comparisons instantly. Adjust sliders to explore scenarios in real time.
All calculations run in your browser. Your financial data never leaves your device. No accounts, no data collection, no ads.
Financial Disclaimer: KeyRate calculators provide estimates for educational purposes only. Results are not financial advice. Actual mortgage terms depend on your credit score, lender, location, and market conditions. Consult a licensed mortgage professional before making financial decisions.