Free to use · Calculations run in your browser · Contact info only required to export a PDF or CSV

Mortgage math, made actually understandable.

Four focused calculators that combine the numbers on a lender's quote, an analyst's report, and a break-even worksheet — with plain-English tooltips at every step.

Start with a quick payment Never done this? Read the glossary

Quick Payment

The classic P × r ÷ (1 − (1+r)⁻ⁿ) formula, in seconds.

Enter a loan amount, rate, and term. See your monthly payment, total interest, and payoff date.

Compare 3–4 Loans

Side-by-side quote comparison, like a lender's rate sheet.

Weigh rate, points, fees, and closing costs across scenarios. The best-value column is highlighted for you.

Should I Pay Points?

Break-even math for discount points.

See exactly how many months it takes for a lower rate to pay back the up-front points cost.

Full Mortgage Analysis

Everything: PITI, equity, amortization, extra payments.

A stylized report with year-by-year balance, equity milestones, and the true impact of extra payments.

Enter a few numbers

Loan amount, rate, term — that's it to get started.

See a stylized report

Big tiles, clean charts, and a full amortization table.

Understand every dollar

Tooltips explain APR, LTV, PITI, points, and more in plain English.