Mortgage Calculators
34+ free tools to help you at every stage of homeownership — from your first search to investment properties.
Current Mortgage Rates
Updated Mar 6, 2026
30-Year Fixed
6.14%
▲ 0.010
15-Year Fixed
5.74%
▼ 0.010
8-day trend (30yr)
Source: MortgageNewsDaily.com · 2026 RealCostIQ
First Time Home Buyers
Essential calculators to help you plan, qualify, and buy your first home with confidence.
Mortgage Affordability Calculator
Calculate how much home you can afford based on your income, debts, and down payment.
Down Payment Savings
Plan your savings timeline and see how much you need to put down.
Closing Costs Calculator
Estimate the total cash you'll need at closing beyond your down payment.
Pre-Qualification Calculator
Check your approval odds and estimate your maximum loan amount.
FHA Loan Calculator
Calculate FHA loan payments including upfront and monthly mortgage insurance.
VA Mortgage Calculator
Calculate VA loan payments with zero down payment and no PMI for veterans.
First-Time Buyer Guide
Complete step-by-step guide from saving your first dollar to getting your keys.
Debt Impact Calculator
See exactly how your existing debts affect your home buying power.
DTI Calculator
Calculate your debt-to-income ratio and see if you meet lender qualification thresholds.
FHA vs Conventional Calculator
Compare FHA and conventional loans side by side to find the best fit for your situation.
Home Owner Calculators
Tools to manage, optimize, and grow your investment as a homeowner.
Refinance Calculator
Determine if refinancing makes financial sense and how much you could save.
Refinance Comparison
Compare multiple refinance scenarios side by side to find the best option.
Early Mortgage Payoff
See how extra payments can save you thousands in interest and years on your loan.
Biweekly Payment Calculator
Save interest and pay off your mortgage years early by switching to biweekly payments.
Home Equity Calculator
Track your equity growth and see how much borrowing power you have.
HELOC Calculator
Calculate your home equity line of credit amount and monthly payments.
Property Tax Calculator
Estimate annual property taxes based on location and home value.
Home Maintenance Calculator
Budget for annual repairs, upkeep, and unexpected maintenance costs.
Amortization Schedule
See how each monthly payment splits between principal and interest over time.
Utility Cost Estimator
Estimate monthly utility expenses based on your home size and location.
ARM vs Fixed Rate Calculator
Compare adjustable and fixed-rate mortgages with rate scenarios and break-even analysis.
Mortgage Points Break-Even Calculator
Find out how long it takes to recoup discount points and whether buying points is worth it.
15 vs 30 Year Mortgage Calculator
Compare 15-year and 30-year mortgages side by side — monthly payments, total interest savings, and equity growth at every milestone.
HELOC vs Cash-Out Refinance
Compare tapping your home equity via a HELOC or cash-out refinance — see real costs, monthly payments, and which option saves you more.
Future Home Buyers
Deciding whether to rent or buy? These tools help you compare and plan your transition to homeownership.
Property Investment
Analyze potential investments, estimate returns, and make data-driven property decisions.
Rental Property Calculator
Analyze cash flow, cap rate, ROI, and cash-on-cash return for any property.
Renovation Cost Calculator
Estimate home improvement project budgets and potential ROI.
APR Calculator
Find the true annual cost of your mortgage including all fees and points.
Investment Property Cash Flow Calculator
Analyze monthly cash flow, cap rate, cash-on-cash return, NOI, and DSCR for any rental property before you buy.
Construction Loan Calculator
Calculate interest payments during construction, your draw schedule by milestone, and your permanent mortgage after completion.
Frequently Asked Questions
Yes, all RealCostIQ calculators are 100% free with no sign-up required. We believe everyone deserves access to financial planning tools.
Our calculators use industry-standard formulas and current default rates. Results are estimates meant for planning purposes. For exact figures, consult with a mortgage professional or financial advisor.
If you're a first-time buyer, start with the Mortgage Affordability Calculator to understand your budget. If you already own a home, the Refinance Calculator or Home Equity Calculator are great starting points. Use the search bar on our homepage to find the right tool quickly.
No. All calculations happen in your browser. We don't collect, save, or share any of the financial information you enter into our calculators.