Mortgage Calculators 2026
Mortgage calculator, mortgage payoff, affordability, refinance, PMI. USA mortgage tools.
All Mortgage calculators
Mortgage Calculator
Free mortgage calculator USA. Calculate monthly mortgage payment, total interest, and affordability. Fixed & adjustable.
Use calculator →Mortgage Payoff Calculator
Free mortgage payoff calculator. See how extra payments reduce payoff time and total interest. USA.
Use calculator →Mortgage Affordability Calculator
Free mortgage affordability calculator. How much house can I afford? USA & worldwide.
Use calculator →Refinance Calculator
Compare current vs new mortgage. See monthly savings and total interest saved. Free refinance calculator. Try it now.
Use calculator →PMI Calculator
Estimate PMI cost in seconds. Enter loan amount and PMI rate. Free PMI calculator. Try it now.
Use calculator →Down Payment Calculator
Free down payment calculator. Find how much down payment you need for a home. Enter home price and %. See loan amount.
Use calculator →
Understanding Mortgage
Understanding mortgages
A mortgage is a loan used to buy a home. You repay it in monthly installments (principal and interest). In the USA, 30-year and 15-year fixed-rate mortgages are common. Our mortgage calculators help you see monthly payment, payoff time, affordability, refinance savings, and PMI.
Down payment and PMI
A down payment of 20% or more often avoids private mortgage insurance (PMI) in the USA. Smaller down payments may require PMI until you reach 20% equity. Use our down payment calculator to see how much you need and our PMI calculator to estimate PMI cost. Refinancing can make sense when rates drop or when you want to shorten the term.
Use our mortgage calculators
Use our free mortgage calculator, mortgage payoff calculator, affordability calculator, refinance calculator, PMI calculator, and down payment calculator. USA and worldwide. No signup required. Each tool includes a guide and FAQs.
Explore other calculator categories
Find more free financial tools for loans, investment, tax, and more.
View all calculator categories