Mortgage calculators
Mortgage Calculator
Estimate fixed-rate mortgage payments, total interest, and amortization with optional housing costs.
Best for checking one focused financial question.
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Home budgetPayment, cash, debt
Debt payoffInterest, time, pressure
RefinanceBreak-even, costs, term
Loan offersAPR, payment, total cost
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Showing all 39 calculators and 4 planning paths.
Mortgage calculators
24 calculators
Mortgage calculators
Mortgage Recast Calculator
See how the monthly payment changes if you pay a lump sum toward the balance and the lender recalculates it over the same time to repay.
Best for checking one focused financial question.
Mortgage calculators
Mortgage Amortization Calculator
See the full payment schedule for a fixed-rate mortgage: how much of each payment goes to interest and to the balance, and when it is paid off.
Best for checking one focused financial question.
Mortgage calculators
Mortgage Payoff Calculator
Estimate when the mortgage is paid off, how much interest is left, and how a regular extra payment toward the balance changes both.
Best for checking one focused financial question.
Mortgage calculators
Mortgage Extra Payment Calculator
Compare the same mortgage with and without a regular extra payment put straight toward the balance.
Best for checking one focused financial question.
Mortgage calculators
Mortgage Down Payment Calculator
See your down payment as a percentage, the loan amount left to borrow, and the cash you need up front.
Best for checking one focused financial question.
Mortgage calculators
Loan-to-Value Calculator
Work out loan-to-value (LTV), the loan share of property value, from your loan amount and what the property is worth.
Best for checking one focused financial question.
Mortgage calculators
Combined Loan-to-Value Calculator
Add up every loan secured on the home to see combined loan-to-value (CLTV), the share of property value those loans cover.
Best for checking one focused financial question.
Mortgage calculators
Home Equity Calculator
See how much of your home you own outright: its value minus what you still owe, in dollars and as a percentage.
Best for checking one focused financial question.
Mortgage calculators
Mortgage Affordability Calculator
Estimate the mortgage your income, debts, rate, term, and ownership costs may support.
Best for checking a home budget before you shop.
Mortgage calculators
Home Affordability Calculator
Estimate a home price that may fit your budget, using income before taxes, current debts, rate, time to repay, ownership costs, and down payment.
Best for checking a home budget before you shop.
Mortgage calculators
Mortgage Qualification Calculator
Estimate a loan amount from your income before taxes, monthly debt payments, and the debt-share-of-income limits you enter. Not a lender decision.
Best for checking one focused financial question.
Mortgage calculators
Mortgage Refinance Calculator
Compare your current mortgage with a replacement loan, including costs paid up front and costs rolled into the new balance.
Best for testing whether a new loan is worth it.
Mortgage calculators
Refinance Break-even Calculator
Estimate how long a lower payment may take to cover the up-front cost of refinancing.
Best for testing whether a new loan is worth it.
Mortgage calculators
Mortgage Comparison Calculator
Compare two mortgages side by side: monthly payment, total interest, cost over the years you plan to keep it, and payoff date.
Best for checking one focused financial question.
Mortgage calculators
Mortgage APR Calculator
Estimate a mortgage APR, the rate plus certain fees, from the loan terms and the fees you enter. Not a lender disclosure.
Best for checking one focused financial question.
Mortgage calculators
Mortgage Points Calculator
Compare a mortgage with and without discount points: what points cost up front, how much the payment drops, and when that cost is recovered.
Best for checking one focused financial question.
Mortgage calculators
ARM Calculator
See three payments for an adjustable-rate mortgage (ARM): the starting fixed payment, the payment after the first rate change, and the capped worst case.
Best for checking one focused financial question.
Mortgage calculators
Rent vs Buy Calculator
Compare renting versus buying over your chosen years, including rent and home price growth.
Best for checking one focused financial question.
Mortgage calculators
HELOC Calculator
Estimate how much you may be able to draw on a home equity line, plus payments while you draw and payments once repayment starts.
Best for checking one focused financial question.
Mortgage calculators
Home Equity Loan Calculator
Estimate the monthly payment and total interest on a lump-sum home equity loan, plus the share of home value all your loans would cover.
Best for checking one focused financial question.
Mortgage calculators
Interest-Only Mortgage Calculator
See the lower payment during the interest-only years, the higher payment once you start repaying the balance, and the total interest cost.
Best for checking one focused financial question.
Mortgage calculators
Biweekly Mortgage Calculator
Compare monthly payments with payments every two weeks on the same loan, and see the modeled difference in interest and payoff time.
Best for checking one focused financial question.
Mortgage calculators
Closing Costs Calculator
Add up the closing costs you enter to see the total cash you need at closing. Nothing is estimated for you.
Best for checking one focused financial question.
Retirement
1 calculator
Retirement
Retirement Calculator
See what your savings could add up to by retirement, and how far that is from your target. An educational estimate based on the numbers you enter.
Best for seeing how time and contributions change the result.
Savings and investing
2 calculators
Savings and investing
Investment Return Calculator
See how an investment could grow from your starting amount, contributions, and the return rate you enter. An estimate for learning, not a forecast.
Best for seeing how time and contributions change the result.
Savings and investing
Compound Interest Calculator
See how savings could build over time from compounding and regular contributions, using the rate you enter. An educational estimate, not a forecast.
Best for seeing how time and contributions change the result.
Credit cards
3 calculators
Credit cards
Balance Transfer Calculator
Compare keeping a card balance where it is with moving it to a promotional rate, including the transfer fee. Estimates only, not an offer.
Best for comparing debt payoff pressure and interest.
Credit cards
Credit Card Minimum Payment Calculator
See how long a credit card balance may take to clear when you pay only the minimum each month, and how much interest that adds.
Best for checking one focused financial question.
Credit cards
Credit Card Payoff Calculator
Estimate how long it may take to pay off a credit card with a fixed monthly payment.
Best for comparing debt payoff pressure and interest.
Debt calculators
2 calculators
Debt calculators
Debt Consolidation Calculator
Compare what you pay now across your debts with one consolidation loan, and see the estimated difference in monthly payment and total interest.
Best for comparing debt payoff pressure and interest.
Debt calculators
Debt-to-Income Calculator
Work out debt-to-income (DTI), the debt share of income, from your income before taxes and your monthly debt payments.
Best for checking one focused financial question.
Loan calculators
6 calculators
Loan calculators
Loan Comparison Calculator
Compare two fixed-rate loans side by side: monthly payment, total interest, total paid, and time to repay. No single option is picked for you.
Best for comparing payment, term, and total cost.
Loan calculators
Loan Repayment Calculator
Estimate the monthly payment, total interest, and how long a fixed-rate loan takes to clear, with a month-by-month payment schedule.
Best for comparing payment, term, and total cost.
Loan calculators
Student Loan Calculator
Estimate a student loan monthly payment, how long it takes to clear, and the total interest, using a fixed rate you enter.
Best for checking one focused financial question.
Loan calculators
Auto Loan Calculator
Estimate a car loan monthly payment and total interest from the vehicle price, down payment, trade-in, rate, and time to repay.
Best for comparing payment, term, and total cost.
Loan calculators
Personal Loan Calculator
Estimate monthly payments and total interest for a fixed-rate personal loan.
Best for comparing payment, term, and total cost.
Loan calculators
APR Calculator
Estimate the APR, the rate plus certain fees, for any fixed-rate loan from the amount, stated rate, time to repay, and any fees.
Best for checking one focused financial question.
Mortgage refinance calculators
1 calculator
Mortgage refinance calculators
Cash-Out Refinance Calculator
Estimate the new balance, the monthly payment, and the loan share of property value (LTV) when you refinance and take cash out.
Best for testing whether a new loan is worth it.
No matching calculator yet. Try a simpler word like "home", "debt", "loan", "rate", or "retirement".
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Guided journeys compare a full picture in one place.
I want to buy a homeBuying a homeI want to lower debtLowering debtI want to compare loan offersComparing loansI want to refinanceRefinancing
Buying a home
Estimate affordability, down payment, loan share of property value, and the income and debt limits you choose, before the search gets expensive.
Lowering debt
Compare payoff, consolidation, debt-to-income, and minimum-payment pressure in one place.
Comparing loans
Put monthly payment, total interest, payoff term, and scenario differences side by side.
Refinancing
Model break-even timing, cash-out impact, refinance costs, and alternative mortgage scenarios.
Popular starting points
Good first calculators when you are comparing tradeoffs.
Mortgage calculators
Mortgage Affordability Calculator
Estimate the mortgage your income, debts, rate, term, and ownership costs may support.
Best for checking a home budget before you shop.
Debt calculators
Debt Consolidation Calculator
Compare what you pay now across your debts with one consolidation loan, and see the estimated difference in monthly payment and total interest.
Best for comparing debt payoff pressure and interest.
Loan calculators
Loan Comparison Calculator
Compare two fixed-rate loans side by side: monthly payment, total interest, total paid, and time to repay. No single option is picked for you.
Best for comparing payment, term, and total cost.
Credit cards
Credit Card Payoff Calculator
Estimate how long it may take to pay off a credit card with a fixed monthly payment.
Best for comparing debt payoff pressure and interest.
What to expect from these tools
- Educational estimateEvery result is an estimate from the numbers you enter. The formula, the assumptions, and what is left out are printed on the page.
- Inputs stay in this browserCalculations run on your device. No signup required, and no figure you type is sent to a Vicaya server.
- Compare scenarios firstThe tools line up tradeoffs side by side rather than pretending one answer fits everyone.