Real numbers, not sales pitches
Every calculator a first-time homebuyer actually needs \u2014 real monthly payments, true affordability, PMI cost and cancel dates, closing cash, and payoff math. Free. No signups, no lead forms.
We built 11 calculators that cover the entire home-buying journey \u2014 from \u201ccan I even afford this?\u201d to \u201cshould I refinance five years in?\u201d Every tool includes full PITI math (not just principal and interest), state-aware tax and insurance defaults, and a detailed FAQ section so you understand the reasoning behind the numbers. No account required. No lead forms. Just open, calculate, and decide.
Before you shop
These tools answer the fundamental question every buyer starts with: “What can I actually afford?” Run these before you browse listings or talk to a lender. You’ll know your realistic price range, the monthly payment at each price tier, how much cash you need for a down payment, and whether PMI is worth avoiding or not.
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
You’ve found a house (or you’re close). Now you need to know the full cash picture: what you’ll owe at closing beyond the down payment, and how much property tax and insurance will add to your monthly escrow. These calculators use state-specific averages so the numbers are realistic for where you’re buying.
After you buy
The mortgage is signed — now what? These tools help you optimize the loan you already have. See exactly how your payments break down over the life of the loan, whether extra payments are worth it, and whether refinancing would actually save you money after closing costs.
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.
How to use these tools
1. Start with affordability
Use the affordability calculator or the \u201cCan you afford\u201d tool to find a realistic price range based on your income and debts. This keeps you from falling in love with a house you can\u2019t comfortably carry.
2. Drill into the details
Once you have a price range, run the mortgage calculator for the full PITI payment, the down-payment calculator for cash needed, and the PMI calculator to see if putting 20% down is worth the wait.
3. Plan for closing and beyond
Before you sign, use the closing-costs calculator so there are no surprises at the table. After you\u2019re in the house, the extra-payment and refinance tools help you optimize the loan over time.
New to buying? Start with the checklist.
A 12-step guide that takes you from pre-approval to closing without the confusion. Written for first-time buyers who want a clear path through the process.
Read the checklist