Mortgage and home buying calculators for the US
Repayments, deposits and what buying a home really costs.
- 9 free calculators
- Updated for 2026
- Official figures, no sign-up
Calculators
- Mortgage Your full monthly payment, with taxes, insurance, PMI and HOA included.
- Home Affordability How much house you can afford on your income, savings and debts.
- Property Tax Your property tax a year and a month, from your home’s value and your state’s rate.
- Mortgage Refinance Is refinancing worth it after closing costs? See your saving and break-even.
- Rent vs Buy Is it cheaper to rent or buy? Compare what you’d have after you sell.
- HELOC How much you could borrow against your home, and what it would cost each month.
- Mortgage Payoff How much sooner extra payments pay off your mortgage, and the interest saved.
- Rent Affordability How much rent fits your income, and what it costs to move in.
- Rental Property A rental’s cash flow, yield and return on the cash you put in.
Guides
All US guides- Buying a home First-time home buyer guide: down payment, loans and costs Buying your first home in the US: the down payment you need, FHA, conventional, VA and USDA loans, closing costs and help for first-time buyers. Read the guide
- Buying a home The 28/36 rule explained What the 28/36 rule says about how much house you can afford, what counts as housing costs and debt, and how lenders' limits compare. Read the guide
- Income tax The 9 states with no income tax in 2026 Which states have no income tax, how much more you take home there, the payroll taxes some still charge, and why it doesn't always mean low taxes. Read the guide
- Money basics Inflation and interest rates in the US, explained What inflation is, why the Fed raises and cuts interest rates, and what both mean for your savings, debts and mortgage. With an interactive example. Read the guide
- Money myths Myth: renting is throwing money away (US) Homeowners pay a lot they never get back too: mortgage interest, property tax and repairs. How to compare renting and buying fairly, with the 5% rule. Read the guide