Free mortgage & financial calculators
23 free tools for borrowing, housing, and wealth decisions that run right in your browser, no account required — plus 5 more when you sign in.
Mortgage & Refinance
Home Refinance CalculatorBreak-even horizon, monthly savings, and total interest reduction — before you commit.Open calculator →FHA Streamline Refinance CalculatorNew payment, mortgage insurance, and break-even — without the guesswork.Open calculator →Mortgage Discount Points CalculatorBreak-even horizon and net savings — calculated before the closing table.Open calculator →PMI Calculator — Private Mortgage InsuranceMonthly premium, removal timeline, and the fastest path to dropping it.Open calculator →Fixed vs. ARM Mortgage CalculatorAmortization, payoff timeline, and total interest — for every scenario you need to model.Open calculator →Mortgage Payoff CalculatorPick a payoff date — see the payment it takes and the interest you save.Open calculator →Extra Mortgage Payment CalculatorTurn a few extra dollars a month into years off your mortgage.Open calculator →
Buying & Owning a Home
Home Purchase CalculatorPrincipal, interest, taxes, insurance, and HOA, plus the total cost over the life of the loan.Open calculator →Rent vs. Own CalculatorNet wealth over time, break-even year, and equity growth — not just monthly payment.Open calculator →VA Loan CalculatorEntitlement, funding fee, and full payment — for veterans and service members.Open calculator →Cost of Waiting to Buy a Home CalculatorPut a real number on price appreciation, rate moves, and lost equity.Open calculator →Investment Property CalculatorCash flow, cap rate, and cash-on-cash return — the three numbers that actually matter.Learn more →
Home Equity & Reverse Mortgage
Debt & Cash Flow
Debt Snowball CalculatorOrder your balances, see your payoff date, and watch the snowball build.Open calculator →Blended Interest Rate CalculatorCombine multiple balances into the one rate that actually matters.Open calculator →Pay Off Mortgage or Invest CalculatorWeigh guaranteed interest savings against expected investment returns.Open calculator →Student Loan CalculatorPayoff timeline, total interest, and the strategies that actually move the needle.Learn more →Lease vs. Buy a Car CalculatorMonthly payment is only half the story — see the real long-term cost.Open calculator →
Saving, Investing & Retirement
FIRE Calculator — Financial Independence, Retire EarlyYour path to Financial Independence and Early Retirement — fully mapped.Open calculator →Net Worth Calculator — Complete Assets & Liabilities AnalysisNet worth, leverage risk, and wealth growth projections in one view.Open calculator →Retirement Income CalculatorProject income, savings, and longevity — and stress-test the plan.Open calculator →Social Security Calculator — Claiming AgeCompare claiming ages on lifetime benefit — not just the monthly check.Open calculator →College Savings CalculatorWork backward from tomorrow's tuition to today's monthly savings.Open calculator →Rule of 72 CalculatorThe Rule of 72, instantly — at any rate of return.Open calculator →
Tools for Advisors
FAST Calc — Side-by-Side Mortgage ComparisonSide-by-side mortgage analysis that makes the right choice obvious.Learn more →Live Mortgage RatesDaily rate survey plus AI guidance on what the numbers mean for your situation.Learn more →Client Presentation BuilderCreate polished, shareable mortgage reports your clients actually keep.Learn more →