Mortgage Calculators

15 vs 30 Year Mortgage Calculator

Compare 15-year versus 30-year mortgage showing interest savings and monthly payment difference. Enter loan amount and 15-year rate for an instant result.

Adjustable Rate Mortgage Calculator

Calculate ARM initial and reset payments. See the payment increase when the fixed period ends. Enter loan amount and initial rate for an instant result.

ARM vs Fixed Rate Mortgage Calculator

Compare ARM initial payment vs fixed-rate mortgage. See 5-year initial savings and the rate gap. Enter loan amount and arm initial rate for an instant result.

Balloon Mortgage Calculator

Calculate balloon mortgage payment due. See monthly payment, total paid before balloon, and final lump sum. Enter loan amount and see the result instantly.

Biweekly Mortgage Payoff Calculator

Calculate years saved by switching to biweekly mortgage payments. See total interest saved. Enter mortgage balance and interest rate for an instant result.

Blended Rate Mortgage Calculator

Calculate the blended (weighted-average) interest rate across two mortgage loans of different balances and rates. Free and educational.

Break-Even Refinance Calculator

Calculate months to break even on mortgage refinance after paying fees. See if refi makes sense for your stay duration. Instant result, no signup.

Bridging Loan Calculator

Calculate the total cost of a short-term bridging loan including monthly interest and arrangement fees. Enter loan amount and rate for an instant result.

Buy to Let Affordability Calculator

Calculate buy-to-let affordability using interest cover ratio (ICR) and stress-tested rate. Enter property price to see icr and stress-tested affordability.

Cash-Out Refinance Calculator

Calculate cash extracted and new monthly payment after a cash-out refinance. Enter home value and mortgage balance to see cash out and new payment.

Closing Costs Calculator

Calculate total closing costs for home purchase including all fee categories. Enter purchase price and lender fees for an instant result.

Combined Loan-to-Value Calculator

Calculate combined loan-to-value across a first mortgage and a second loan or home equity line. Enter first mortgage balance to see combined ltv.

Commercial Mortgage Calculator

Calculate monthly payment and total interest on commercial property mortgage. Enter loan amount and interest rate for an instant result.

Construction Loan Calculator

Calculate interest-only payments and total interest paid during a construction loan build phase with drawdowns. Enter loan amount and see the result instantly.

Down Payment Calculator

Calculate down payment from home price plus closing costs and months-to-save at current rate. Enter target home price and savings for an instant result.

Early Mortgage Payoff Calculator

Calculate years and interest saved by making extra mortgage payments. See impact of regular overpayments. Enter mortgage balance and see the result instantly.

Equity Buildup Calculator

Calculate how much mortgage equity you will hold after a set number of years of normal repayment. Enter loan amount and rate for an instant result.

First Home Buyer Calculator

Calculate years to save first home deposit. Enter price, deposit %, and monthly savings. Enter target property price and see the result instantly.

First vs Second Mortgage Calculator

Compare refinancing your first mortgage against taking out a second mortgage for the same cash need. Enter first mortgage balance and see the result instantly.

Fixed vs Variable Mortgage Rate Calculator

Compare cost of fixed vs variable mortgage rate over the fixed period. See break-even point. Enter mortgage balance and fixed rate to see total cost of each.

HELOC Calculator

Calculate HELOC monthly payments for draw and repayment periods. See total interest over loan life. Enter heloc credit line and see the result instantly.

Home Affordability Calculator

Calculate maximum home price you can afford based on income and debts. Enter gross income and available deposit for an instant result.

Home Appreciation Calculator

Calculate future home value based on purchase price and annual appreciation rate. Enter years to see projected future value and total appreciation.

Home Buying Costs Calculator

Calculate total upfront costs of buying a home: deposit, transfer tax, legal, survey, mortgage and moving fees. Free and runs in your browser.

Home Equity Calculator

Calculate home equity as the current property value minus outstanding mortgage balance. Free educational calculator with methodology and a worked example.

Home Equity Growth Calculator

Project home equity growth over time from mortgage principal paydown and property appreciation. Enter property value to see projected equity.

Home Moving All-in Cost Calculator

Calculate total moving cost including removals, legal fees, utility setup, and cleaning. Enter legal + survey and see the result instantly.

House Affordability Calculator

Calculate maximum affordable house price from income, deposit, and debts using income multiple and DTI methods. Enter gross income and see the result instantly.

House Price to Income Ratio Calculator

Calculate house price to income ratio with affordability benchmarks. Enter property price and household annual income to see ratio and affordability benchmark.

Housing Affordability Index Calculator

Calculate the price-to-income ratio for housing affordability in your area. Enter median home price and median household income for an instant result.

Interest Only vs Repayment Calculator

Compare interest-only vs repayment mortgages on monthly payment and end-of-term balance. Enter loan amount and rate for an instant result.

Land Loan Calculator

Calculate the monthly payment on a land loan (raw or improved lot) at a given rate and term. Enter land price and down payment for an instant result.

Loan to Value Calculator

Calculate your loan-to-value (LTV) ratio from mortgage balance and property value. Shows ltv percentage and the equity cushion from the values you enter.

LTV Improvement Calculator

Calculate how much it helps to pay down to reach a lower LTV tier on your mortgage. Enter property value and balance to see paydown needed.

Maximum Mortgage Calculator

Calculate maximum mortgage loan from monthly income and DTI ratio. Quick pre-qualification estimate. Enter gross monthly income and see the result instantly.

Mortgage Affordability Calculator

Calculate the maximum mortgage you may be offered based on an income multiple and available deposit. Enter income gross and see the result instantly.

Mortgage Broker Fee Calculator

Compare a flat broker fee against a percentage-of-loan fee to see which costs more. Enter loan amount to see which structure costs less for your loan size.

Mortgage Calculator

Estimate monthly mortgage payments based on loan amount, interest rate, and amortization period. Calculate total interest paid over loan term.

Mortgage Comparison Calculator

Compare two mortgage offers by total cost including arrangement fees across the introductory period. Enter offer a monthly payment and see the result instantly.

Mortgage Debt Consolidation Calculator

Compare total interest on high-rate debt kept separate versus consolidated into your mortgage. Enter debt to consolidate and debt rate for an instant result.

Mortgage Debt Yield Calculator

Calculate mortgage debt yield: net operating income divided by loan amount — a key commercial lending ratio. Instant result with methodology shown.

Mortgage Forbearance Cost Calculator

Calculate the long-term cost of a mortgage forbearance agreement during hardship. Enter mortgage balance and rate to see added interest and lifetime cost.

Mortgage Free Date Calculator

Calculate the exact date you become mortgage-free at your current payment pace. Enter balance and rate to see months to mortgage-free.

Mortgage Holiday Cost Calculator

Calculate the long-term interest cost of taking a mortgage payment holiday. Enter mortgage balance and rate to see interest added by pausing payments.

Mortgage Interest Calculator

Calculate total interest paid on a mortgage over its full term at a given rate. Enter loan amount and see the result instantly.

Mortgage Overpayment Break-Even Calculator

Find the break-even month where monthly overpayment interest savings exceed the cash committed to the overpayment. Free and runs in your browser.

Mortgage Overpayment Calculator

Calculate interest saved and months cut from regular mortgage overpayments above standard payment. Enter mortgage principal and see the result instantly.

Mortgage Payment Calculator

Calculate monthly mortgage payment and total interest cost from home price, down payment, rate, and term. Enter interest rate and see the result instantly.

Mortgage Payoff Date Calculator

Calculate exact mortgage payoff date based on balance, rate, and monthly payment. Enter mortgage balance and interest rate to see payoff months remaining.

Mortgage PITI Calculator

Calculate total monthly PITI housing payment. Principal + interest + taxes + insurance + PMI + HOA. Enter loan principal and see the result instantly.

Mortgage Points Break-Even Calculator

Calculate how long it takes to break even on paying mortgage points to buy down your interest rate. Enter upfront points cost and see the result instantly.

Mortgage Points Calculator

Calculate cost of mortgage points and resulting monthly payment reduction. Enter loan amount and points paid to see upfront cost and monthly saving.

Mortgage Rate Delta Impact Calculator

Calculate the monthly payment change when mortgage rate shifts by a given amount. Enter outstanding balance and new rate for an instant result.

Mortgage Recast Calculator

Calculate new monthly payment after a mortgage recast with lump sum principal reduction. Enter balance and rate for an instant result.

Mortgage Stress Test Calculator

Stress test your mortgage affordability if rates rise. See payment increase at upper rate scenarios. Enter balance and stress test rate for an instant result.

Mortgage Term Reduction Calculator

Calculate interest saved by reducing your mortgage term from one length to another at the same rate. Enter loan amount and see the result instantly.

Mortgage vs Investments Calculator

Compare paying off mortgage early vs investing the same lump sum at expected return. Enter mortgage rate and investment return to see winner.

Mortgage vs Personal Loan Calculator

Compare cost of funding via mortgage top-up vs personal loan for the same amount. Enter amount needed and mortgage rate to see total interest of each.

Mortgage vs Rent Lifetime Calculator

Compare total cost of buying versus renting over decades accounting for mortgage payoff, home equity, and rent inflation.

Mortgage vs Renting Calculator

Compare lifetime cost of buying with a mortgage against renting the equivalent property. Enter horizon to see total cost of each path.

Negative Equity Calculator

Calculate whether a property is in negative equity and the size of the shortfall between mortgage balance and market value.

New Build Premium Calculator

Calculate the premium paid for a new-build property compared to an equivalent resale home in the same area. Enter new build price and see the result instantly.

Offset Mortgage Calculator

Calculate offset mortgage interest savings. See years saved and total interest reduced by offset balance. Enter mortgage balance and see the result instantly.

Mortgage Overpayment Lump Sum Savings Calculator

Calculate the interest saved from a single lump-sum overpayment on your mortgage. Enter outstanding balance and lump sum overpayment for an instant result.

Mortgage Overpayment Savings Calculator

Calculate interest saved and years shaved off your mortgage by making regular monthly overpayments. Enter loan amount and rate for an instant result.

Mortgage Overpayment vs Invest Calculator

Compare mortgage overpayment vs investing extra money. See which produces better long-term financial outcome. Enter mortgage rate and see the result instantly.

Piggyback Mortgage Calculator

Compare piggyback 80-10-10 mortgage cost against single loan with mortgage insurance. Enter property price and deposit for an instant result.

Portfolio Loan Calculator

Calculate the maximum loan available against a securities portfolio based on margin rate and portfolio value. Free and runs in your browser.

Prepayment Penalty Calculator

Calculate the prepayment penalty on a mortgage based on remaining balance and penalty percentage. Enter balance being repaid and see the result instantly.

Property Price Growth Calculator

Project property value at a given annual growth rate over the holding period. Enter years to see future value and total appreciation.

Property Rental Yield Calculator

Calculate gross and net rental yield on a property investment. Runs in your browser with a transparent formula — free and no signup.

Property Transaction Cost Calculator

Sum all property transaction costs beyond the deposit — legal, survey, agent, moving. Enter legal / conveyancing and agent fee selling for an instant result.

Property Value Calculator

Estimate current property value from purchase price, years owned, and annual appreciation rate. Enter purchase year and see the result instantly.

Refinance Break-Even Calculator

Calculate mortgage refinance break-even point and net savings over five years. Determine when refinancing becomes financially beneficial.

Refinance Break-Even Date Calculator

Calculate how many months to recover refinance closing costs from the monthly payment savings. Shows break-even in months from the values you enter.

Mortgage Refinance Calculator

Calculate monthly savings and total interest reduction from refinancing your mortgage to a lower rate. Enter balance and new rate for an instant result.

Remortgage Calculator

Calculate remortgage savings after fees and ERC. Monthly savings plus break-even months. Enter mortgage balance and rate for an instant result.

Remortgage Savings Calculator

Calculate savings from remortgaging to a lower rate after accounting for switching costs. Enter monthly payment and new monthly payment to see net savings.

Renovation ROI Calculator

Calculate ROI on home renovation based on cost and value added. Enter renovation cost and estimated value added to see roi percentage and net gain.

Rent Increase Impact Calculator

Calculate the annual cost of a rent increase and the cumulative impact over a multi-year stay. Enter monthly rent and see the result instantly.

Rental Yield vs Mortgage Cost Calculator

Compare monthly rental income against mortgage cost to see buy-to-let cashflow position. Enter mortgage payment and running costs for an instant result.

Repayment vs Savings Calculator

Compare mortgage overpayment savings against investing the same cash at expected investment return. Enter extra and mortgage rate to see both paths.

Second Home True Cost Calculator

Calculate true annual cost of a second home including mortgage, tax, upkeep, and utilities. Enter mortgage annual to see annual all-in cost.

Seller Net Proceeds Calculator

Calculate net proceeds from selling your home after mortgage payoff, agent fees, legal costs, and other selling expenses.

Shared Appreciation Mortgage Calculator

Calculate the cost of a shared appreciation mortgage: lender takes a share of future appreciation in exchange for lower rate.

Tenant vs Buyer Break-Even Calculator

Find the break-even year when buying becomes cheaper than renting cumulatively, based on your inputs. Enter buying cost and see the result instantly.

True Cost of Homeownership Calculator

Calculate lifetime cost of homeownership including mortgage interest, maintenance, insurance, and property tax. Free and runs in your browser.

Years of Rent Lost Calculator

Calculate cumulative rent paid over years and convert into equivalent property purchase power. Enter years renting and see the result instantly.