Independent · Free · No signup
Mortgage calculators that tell you the truth about your money.
Most mortgage calculators are lead-capture funnels for lenders. Ours aren't. We show you every strategy side-by-side, including the one that costs us money, so you can pick what actually works for your numbers.
The Calculators
Five tools, deeply researched, each addressing a specific scenario most mortgage calculators get wrong or oversimplify.
Mortgage Recast Calculator
See your new payment after applying a lump sum. Compare recast vs refinance vs extra-payment strategies.
Open calculator →
PMI Removal Calculator
When PMI auto-cancels at 78% LTV, when you can request removal at 80%, and how much to pay down to remove it now.
Open calculator →
Biweekly Payoff Calculator
How much interest and time you save by switching to biweekly payments, and whether your lender will actually do it.
Open calculator →
ARM Reset Calculator
Project your adjustable-rate mortgage payment at reset under three rate scenarios. Critical for the 5M ARMs resetting through 2027.
Open calculator →
HELOC vs Cash-Out Refi
5-year cost comparison, breakeven analysis, and which makes sense for your specific cash-out goal.
Open calculator →
Home Equity Calculator
Am I underwater? See your equity on paper and after selling costs, and what it means for refinancing, a HELOC, or selling.
Open calculator →
Buy vs Rent
Honest math including the down payment opportunity cost most calculators bury. Break-even chart included.
Open calculator →
Why this site exists
Most mortgage tools online are gated by an email address, owned by a lender, or written by someone whose paycheck depends on you choosing a particular product. The calculator math itself isn't usually wrong, but the framing leaves out the strategies that don't generate a referral fee.
A recast that saves you $675/month looks great until you realize that the same lump sum, applied without a recast, would have saved you $147,000 more in total interest. Your bank isn't going to volunteer that math.
Every calculator on this site shows the dominant strategies side-by-side, including the one we don't make money on. We may earn revenue from advertising and from optional affiliate links to lender comparison sites, clearly disclosed, never required, and never inserted into the math itself.