Home and mortgage math you can check.
Free calculators for buying, financing and improving a home. Every tool shows its formula, a worked example and the source of every figure it doesn’t ask you for.
Formulas shownStandard amortization math, written out on every page and checked by an automated test suite.
Sourced figuresState tax rates from Census 2024 data; PMI, FHA and DTI rules from Freddie Mac, HUD, Fannie Mae and the CFPB.
No sign-up, no tracking of inputsEverything is calculated in your browser. Your numbers are never sent to us.
Home finance calculators
Mortgage CalculatorFull monthly payment with PMI, taxes, insurance, HOA and amortization.Home Affordability CalculatorMax home price from income, debts and down payment (28/36 rule).Refinance CalculatorBreak-even month and lifetime savings of a new loan.Rent vs Buy CalculatorYear-by-year net worth of buying versus renting and investing.Down Payment CalculatorCash needed at closing and months to save it.Closing Cost CalculatorItemized closing costs, prepaids and cash to close.PMI CalculatorMonthly PMI and the dates it can be removed.Property Tax CalculatorAnnual property tax by state effective rate.Home Equity & HELOC CalculatorBorrowing room and HELOC vs home equity loan payments.Mortgage Points CalculatorBreak-even on buying down your rate.15 vs 30 Year MortgagePayment and interest, shorter vs longer term.Biweekly Mortgage CalculatorSavings from paying half every two weeks.Loan-to-Value (LTV) CalculatorLTV, CLTV and the paydown to 80%.FHA Loan CalculatorFHA payment with upfront and annual MIP.Debt-to-Income (DTI) CalculatorFront- and back-end DTI against lender limits.Mortgage Payoff CalculatorNew payoff date and interest saved by paying extra.Amortization CalculatorMonth-by-month schedule with CSV download.
Home project calculators
Paint CalculatorGallons and quarts for walls and ceiling.Flooring CalculatorSquare feet and boxes, with waste.Tile CalculatorTiles and boxes by size and grout joint.Concrete CalculatorCubic yards and bags for slabs, footings, posts.Drywall CalculatorSheets for walls and ceiling by sheet size.Roofing CalculatorRoof area, squares and shingle bundles.Mulch & Soil CalculatorCubic yards and bags for beds and borders.Fence CalculatorPosts, rails, pickets and post concrete.Deck Board CalculatorDecking boards, joists and screws.Wallpaper CalculatorRolls by strips, with pattern repeat.Insulation CalculatorRecommended R-value, depth and bags.
Look up by state, price or salary
Property tax by stateEffective rates, median bills and examples for all 50 states and DC.
Mortgage payment by home pricePayments on homes from $150,000 to $1 million at a range of rates.
How much house by salaryPrice ranges for incomes from $40,000 to $250,000.
Guides
How Mortgages WorkA mortgage is a loan secured by your home. Understanding four moving parts — principal, rate, term and escrow —…What Is PMI and How Do You Get Rid of It?PMI lets you buy with less than 20% down. It protects the lender, not you — so the goal is to pay it only as long as…Mortgage Amortization, ExplainedYour payment stays the same for 30 years, but what it pays for changes every single…Closing Costs, Explained Line by LineClosing costs are the fees and prepaid items due when your purchase closes. Freddie Mac puts them at 2% to 5% of the…Rent vs Buy: How to Decide“Rent is throwing money away” is only half the story. Owners also pay money they never get back. The question is which…How Much House Can I Afford?Lenders answer this question with a ratio. You should answer it with a budget. Here is how to do…When Should You Refinance Your Mortgage?A refinance is worth it when what you save exceeds what you spend — measured over the time you will actually keep the…Property Taxes, ExplainedProperty tax is often the second-largest part of a mortgage payment, and it varies more from place to place than any…How to Estimate How Much Paint You NeedMeasure, subtract, multiply by coats, divide by coverage. Here is the method, with the numbers paint makers…How to Estimate Flooring for a RoomMost flooring mistakes come from measuring, not math. Here is a reliable way to get the quantity right the first…