The instruments
Nine calculators. Nine separate pages.
Not a widget in a sidebar. Each one has its own page, its own graphs, its own assumptions written out, and a link that carries your inputs so a result can be sent to someone else.
- Graphs that read in both themes and every color scheme
- Amortization month-wise and year-wise
- Every result is a URL
- Assumptions on the page, not in the footnotes
Buying
Before there is a loan — what you can carry and what it costs.
Monthly payment
What would the whole payment be — not just principal and interest?
Principal, interest, taxes, insurance, HOA and PMI, itemised
OpenAffordability
What price can this income and this down payment actually carry?
Income, debts and DTI to a defensible price range
OpenRent vs buy
Over the years you would actually stay, which one costs less?
A held period, with every assumption on the page
OpenOwning
Once the loan exists — where the money goes and how to end it sooner.
Amortization schedule
Where does every payment go, month by month and year by year?
Every payment, switchable month-wise and year-wise
OpenExtra payment
What does an extra $100 a month, or one lump sum, actually buy?
Recurring and one-off, against interest saved and months removed
OpenRefinance break-even
How many months until a refinance has paid for itself?
New rate against costs, to the month it pays back
OpenPrograms
The specific arithmetic of VA, FHA and paying the rate down.
VA funding fee
What does the funding fee add, and what is left to pay monthly?
First or subsequent use, exemptions, fee rolled into the balance
OpenFHA MIP
What do the upfront and annual mortgage insurance premiums cost?
Upfront MIP, annual MIP and the payment they build
OpenPoints & buy-down
Is buying the rate down worth what it costs today?
Cost of points against the payment saved, to break-even
OpenIllustrative example only — not a rate quote, not an APR offer, and not a commitment to lend.
The arithmetic runs in your browser and nothing is sent anywhere. The default numbers on each page are deliberately round, so it is obvious they are examples rather than a rate sheet. Real pricing depends on credit, property, occupancy, loan size, program and the market on the day, and only a licensed lender can give it to you. This site is a demonstration and is not one.