Mortgage Calculators

Every monthly cost of owning in one number — not just the mortgage payment

What you actually walk away with after costs, payoff, and capital gains

Home sale capital gains tax with the Section 121 exclusion — $250k single, $500k married filing jointly

Compare selling now vs renting it out — after-tax net worth, cash flow, and the Section 121 tax impact

How much you can borrow, and whether a HELOC, loan, or cash-out costs least

Calculate your monthly mortgage payment with amortization schedule

Determine if refinancing makes financial sense

Compare multiple refinance scenarios side by side

Calculate savings from extra mortgage payments

Save interest by switching to biweekly payments

Track equity growth and borrowing capacity

All-in cost of a US bridge loan — points, interest and closing costs annualised, plus the 80% combined-LTV test

Calculate your home equity line of credit

Calculate property taxes across locations

See how payments split between principal and interest

Compare adjustable and fixed-rate mortgages

Find out if buying discount points is worth it

Compare 15-year and 30-year mortgages side by side

Compare tapping home equity via HELOC or cash-out refinance

Whether itemizing beats the standard deduction now the SALT cap has risen to about $40,000

How much home can you afford based on your income and debts

Plan your savings timeline for a down payment

Estimate total cash needed to close on your home

Price a home on a $60,000 salary under the 28/36 rule: your own debts, down payment, rate, tax and insurance, on the guide's assumptions

Price a home on a $75,000 salary under the 28/36 rule: your own debts, down payment, rate, tax and insurance, on the guide's assumptions

Price a home on an $80,000 salary under the 28/36 rule: your own debts, down payment, rate, tax and insurance, on the guide's assumptions

Price a home on a $100,000 salary under the 28/36 rule: your own debts, down payment, rate, tax and insurance, on the guide's assumptions

Price a home on a $120,000 salary under the 28/36 rule: your own debts, down payment, rate, tax and insurance, on the guide's assumptions

Estimate buyer closing costs in any state: LodeStar's 2026 national fee base plus that state's statutory transfer tax, with the rule linked

Base inspection fee by home size and age, plus radon, sewer scope, termite and other add-ons

Check your approval odds and max loan amount

Calculate FHA payments with mortgage insurance premiums

VA loan payments with zero down and no PMI

Calculate private mortgage insurance costs and removal timeline

Compare a piggyback second mortgage against one loan with PMI

See how debts affect your home buying power

Calculate your debt-to-income ratio

Compare FHA and conventional loans side by side

Compare true costs of renting versus buying

Calculate fair rent and affordability

Convert your rent payment into a mortgage budget

Analyze cash flow, ROI, and cap rate

Analyze rental property cash flow and cap rate

Capitalization rate and NOI for any rental property

Commercial cap rate from a real rent roll — $/SF/yr base rent, NNN vs gross lease expense recovery, vacancy and credit loss as separate lines, management fee and reserves above the NOI line. Office, retail, industrial and multifamily.

Return on the actual cash you invest in a rental

Screen a rental with the 1% rule, 2% rule, and GRM

Gross and net rental yield for any property

Debt service coverage ratio and max loan for rental financing

Multi-year pro-forma with equity build and IRR

Airbnb ROI with break-even occupancy and LTR comparison

Flip profit, ROI, and your 70% rule max offer

Buy, rehab, rent, refinance — cash left in and post-refi returns

Live in one unit, rent the rest — see your real housing cost

Buy a rental or invest the cash? Opportunity cost priced in

Capital gains tax you defer with a like-kind exchange

27.5-year depreciation, depreciable basis, and recapture at sale

Roll up multiple rentals — total cash flow, equity, and blended returns

Calculate construction loan interest and draw schedule

Find the true cost of your mortgage including fees