15-Year vs 30-Year Mortgage Comparison Calculator
Compare 15-year vs 30-year mortgage payments, total interest, and savings side by side. See how much you save with a shorter term and decide which is right for you.
Free Mortgages Calculators
28 toolsMortgage payment and affordability tools. Browse our free mortgages tools below — no sign-up required.
Adjustable-Rate Mortgage (ARM) Calculator
Calculate ARM payments through the intro period and after each rate adjustment. See potential payment shock and compare total cost vs a fixed-rate mortgage.
Amortization Schedule Calculator
Generate a full amortization schedule showing each payment broken down into principal and interest. Supports monthly and biweekly frequencies.
ARM Adjustment Calculator
Calculate your new ARM payment after the fixed period ends. See worst-case, expected, and best-case scenarios with rate caps and remaining balance.
Balloon Mortgage Calculator
Calculate your balloon mortgage payment and the large lump sum due at maturity. See the balloon balance, amortization during the term, and total interest cost.
Biweekly Mortgage Payment Calculator
Calculate how biweekly mortgage payments save interest and shorten your loan term. See years saved and total interest reduction compared to monthly payments.
Bridge Loan Calculator
Calculate bridge loan costs including interest-only payments, origination fees, and total financing cost. See the true price of bridging the gap between home purchases.
Construction Loan Calculator
Calculate construction loan interest costs during the build phase with multiple draws. See interest-only payments, total construction cost, and permanent loan transition.
Escrow Payment Calculator
Calculate your monthly escrow payment for property taxes, homeowners insurance, and PMI. See escrow analysis with cushion, shortage, and surplus scenarios.
Extra Mortgage Payment Calculator
See how extra mortgage payments reduce your loan term and save interest. Model one-time, monthly, or annual extra payments and compare to your original schedule.
FHA Loan Calculator
Calculate FHA loan payments including upfront and annual mortgage insurance premiums. See total MIP cost and compare FHA vs conventional loan options.
Fixed-Rate Mortgage Calculator
Calculate your fixed-rate mortgage payment, total interest, and amortization schedule. Compare 10, 15, 20, 25, and 30-year fixed loan terms.
HELOC Payment Calculator
Calculate your HELOC payments during the draw period (interest-only) and repayment period (fully amortizing). See total interest cost and payment transitions.
Interest-Only Mortgage Calculator
Calculate interest-only mortgage payments during the IO period and see the payment jump when amortization begins. Compare total cost to a standard mortgage.
Jumbo Loan Calculator
Calculate jumbo mortgage payments for loans above conforming limits. Compare jumbo vs conforming rates and see total cost differences on high-value properties.
Land Contract Payment Calculator
Calculate land contract payments with optional balloon payment. See monthly cost, amortization, total interest, and balloon balance for seller-financed purchases.
Mortgage Calculator
Calculate your monthly mortgage payment, total interest paid, and payoff date. Compare 15 vs 30-year loans and see how extra payments save you thousands.
Mortgage Comparison Calculator
Compare up to 3 mortgage scenarios side by side. See monthly payments, total interest, total cost, and savings to find the best loan option.
Mortgage Insurance Removal Calculator
Calculate when you can remove PMI from your mortgage. Factor in amortization and home appreciation to find your earliest removal date and total savings.
Mortgage Payoff Calculator
Calculate how fast you can pay off your mortgage with extra payments. See the new payoff date, years saved, and total interest saved with lump-sum or recurring extras.
Mortgage Points Break-Even Calculator
Calculate when buying mortgage points pays off. Compare 0, 1, and 2 point scenarios side by side to find your break-even month and total interest savings.
PITI Payment Calculator
Calculate your full PITI mortgage payment — principal, interest, property taxes, and insurance — plus PMI if applicable. See the total monthly housing cost.
PMI Calculator
Calculate your private mortgage insurance (PMI) cost based on loan-to-value ratio and credit score. See when PMI drops off and how much it adds to your monthly payment.
Reverse Mortgage Calculator
Estimate reverse mortgage proceeds based on your age, home value, and interest rate. See how much you could receive as a lump sum, line of credit, or monthly payments.
Second Mortgage Calculator
Calculate your second mortgage payment and combined loan-to-value ratio. See total monthly payments across both loans and combined interest costs.
Seller Financing Calculator
Calculate seller financing payments, total interest earned, and cash flow for both buyer and seller. Model custom terms with optional balloon payment.
USDA Loan Calculator
Calculate USDA loan payments with zero down payment, upfront and annual guarantee fees. Check eligibility requirements and compare costs to FHA and conventional.
VA Loan Calculator
Calculate VA loan payments with the VA funding fee. See zero-down payment options, compare first-use vs subsequent-use fees, and estimate total loan costs.