Real numbers, not sales pitches
Every calculator a first-time homebuyer actually needs — real monthly payments, true affordability, PMI cost and cancel dates, closing cash, and payoff math. Free. No signups, no lead forms.
Before you shop
Can you afford a $300k/$400k/$500k house?
Tap a price. Get an instant verdict and the exact income you’d need.
Mortgage calculator
See your real monthly cost — not just principal and interest. PITI included.
Affordability calculator
See the home price that actually fits your income, debts, and 28/36 DTI.
Down payment calculator
See how much you really need — and the months until you’ve saved it.
PMI calculator
See what PMI adds each month, and the exact month it drops off.
When you’re ready
After you buy
Amortization calculator
See how every payment is split — and the exact date you'll own your home.
Extra payment calculator
See how many years and thousands you'd save by paying a bit more each month.
Refinance calculator
See if refinancing actually saves money — old vs new, side by side.
Refinance break-even calculator
See the exact month a refi starts saving you money.
New to buying? Start with the checklist.
A 12-step guide that takes you from pre-approval to closing without the confusion.
Read the checklist