Free Mortgage & Home Payment Calculators
120+ calculators to help you buy, finance, and manage your home. Instant results, no sign-up needed.
Mortgage Calculator
Monthly payment with PITI breakdown
Amortization Calculator
Full payment schedule year by year
Mortgage Payoff
When will your mortgage be paid off
Extra Payments
Save thousands with additional payments
Biweekly Payments
Pay off faster with biweekly schedule
Mortgage Comparison
Compare up to 3 loan scenarios
15 vs 30 Year
Which term saves you more money
Affordability Calculator
How much house can you afford
Down Payment
How much to save & savings plan
Closing Costs
Estimate buyer & seller costs
PMI Calculator
Private mortgage insurance cost
Debt-to-Income
Check your DTI ratio
Rent vs Buy
Compare renting and buying costs
Home Value
Estimate your property value
Property Tax
Estimate by state
Home Insurance
Estimate insurance premiums
Moving Cost
Budget your move
FHA Loan
Low down payment with MIP
VA Loan
No down payment for veterans
USDA Loan
Rural development loans
Conventional Loan
Standard mortgage terms
Jumbo Loan
Above conforming limits
ARM Mortgage
Adjustable rate mortgage
Interest Only
Interest-only period payments
Construction Loan
Build your own home
Land Loan
Finance raw land purchase
Balloon Mortgage
Large final payment
Rental Property
Analyze investment returns
Cap Rate
Capitalization rate
Rental Yield
Gross and net yield
DSCR
Debt service coverage ratio
House Flipping
Flip profit analysis
1031 Exchange
Tax-deferred exchange
Net Seller Proceeds
What you keep after sale
Agent Commission
Calculate agent fees
Rent Affordability
How much rent can you afford
Renovation Budget
Plan your renovation costs
Property Tax
Estimate by state/county
Home Insurance
Insurance premium estimate
Tax Deduction
Mortgage interest deduction
PMI
Private mortgage insurance
HOA Fees
HOA cost impact
Flood Insurance
Flood zone insurance cost
Home Warranty
Warranty cost vs repair risk
Transfer Tax
Property transfer tax by state
UK Mortgage
Monthly repayments in GBP
Stamp Duty (SDLT)
England & N. Ireland
LBTT Calculator
Scotland property tax
LTT Calculator
Wales property tax
Buy-to-Let
BTL mortgage analysis
First-Time Buyer
UK FTB benefits
Remortgage
Switch your mortgage
Shared Ownership
Part-buy part-rent
Interest Only
IO mortgage payments
Help to Buy
Government scheme calculator
Canadian Mortgage
Semi-annual compounding
CMHC Insurance
Mortgage default insurance
Land Transfer Tax
Provincial LTT calculator
Affordability
GDS/TDS ratio analysis
Mortgage Penalty
Early break penalty
First-Time Buyer
Canadian FTB incentives
Mortgage Comparison
Compare Canadian options
Rental Yield
Canadian rental returns
Trusted by Home Buyers Worldwide
HomePaymentCalc provides free, accurate calculators for every stage of the home buying journey. From first-time buyers checking affordability to investors analyzing rental yields โ all tools work instantly with no registration required.