The Real Numbers Behind
Your Mortgage.
Principal and interest are only part of the story. Calculate complete monthly obligations including property taxes, hazard insurance, and PMI — plus see how small extra payments erase years of debt.
True All-In PITI Modeling
Never get blindsided by escrow shortfalls. We model taxes, insurance, and PMI alongside standard principal and interest.
Compound Payoff Acceleration
Simulate extra monthly principal payments to discover exactly how many years and tens of thousands in interest you shave off.
Unbiased Lending Insight
No loan officer sales pitch. We show the exact amortization math and underwriting constraints without selling your contact details.
Mortgage & Financing Calculators
Standardized, verified formulas covering every major mortgage decision.
Mortgage Payment Calculator (Full PITI)
Principal, interest, taxes, insurance, and PMI — the number your bank account will actually see every month.
Extra Payment Savings Calculator
What one extra payment a year (or a fixed monthly add) saves in interest and time on your mortgage.
How Much House Can I Afford?
A maximum home price from the 28/36 rules — housing ratio, total debts, down payment, and the cash you need at closing.
Refinance Break-Even Calculator
New payment, monthly savings, and the month refinancing starts paying for itself — after closing costs.
The Anatomy of a Mortgage
Learn how amortized interest works, when refinancing makes sense, and how PMI dissolves.
What the amortization schedule is hiding from you
The first decade of a 30-year mortgage is mostly interest. Seeing it changes how you pay.
PMI: the monthly line item you can fire
What PMI costs, when it ends by law, and how to make it end sooner.
12 mistakes people make with mortgage math
The recurring errors we see in mortgage math — what causes each one, and the habit that prevents it.