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Mortgage Calculators

Estimate your payment, compare renting to owning, or analyze an investment property. Five free tools — all on one page. For numbers tailored to your exact situation, book a free consultation.

Monthly Mortgage Payment Calculator

Estimate your payment, track equity growth, and see home value appreciation over time.

$
$
%
%
Appreciation & Growth
%
Optional — for full PITI
$
$
$
🏠

Enter your loan details and click Calculate Payment to see your payment breakdown, equity growth, and appreciation charts.

Rent vs. Own Calculator

Compare the true monthly cost of renting to owning — including tax benefits, appreciation, and equity build.

Buying Scenario
$
%
%
$
$
%
%
Renting Scenario
$
%
What you'd earn investing the down payment instead
%
⚖️

Enter your scenarios and click Compare to see the side-by-side analysis over 7 years.

Investment Property Calculator

Analyze cash flow, cap rate, CoC return, DSCR, and long-term appreciation with full charts.

Property & Financing
$
%
%
Income
$
%
Monthly Expenses
$
$
%
$
Appreciation & Growth
%
%
📈

Enter your property details and click Analyze Investment to see cash flow, cap rate, CoC return, DSCR, and long-term charts.

Debt Consolidation Refinance Calculator

See if rolling high-interest debt into a cash-out refinance could lower your total monthly payments.

Current Mortgage
$
%
$
$
Debts to Consolidate
Total across all debts: Balance: $0  ·  Payments: $0
New Refinance Terms
%
💳

Enter your current mortgage, debts to consolidate, and new refinance terms to see if consolidating makes sense for your situation.

Move-Up Purchase Calculator

Estimate your new loan amount, payment, and equity proceeds when selling your current home and buying up.

Your Current Home
$
$
Agent fees, closing costs (typically 6–8%)
%
Cash you'll add to the proceeds
$
New Home
$
%
%
$
$
⬆️

Enter your current home details and new purchase to see your net proceeds, new loan amount, and monthly payment.

Refinance Calculator

Compare your current loan to a new one — with optional extra payments to see how fast you can pay it off.

Current Loan
$
%
yrs
$
New Loan
%
Typically 2–3% of loan amount
$
Extra Payment (optional)
$
$
🔄

Enter your current loan and new terms to see your monthly savings, break-even point, and lifetime interest saved.

How Much Can I Afford?

Find your max purchase price — and the income you need to qualify — based on your actual financial picture.

Your Finances
Before taxes — all earners combined
$
Car, student loans, cards (min. payments)
$
$
Loan Parameters
%
Front-end PITI ratio (28–43% typical)
%
$
$
💡

Enter your income, debts, and down payment to see your max purchase price and what income is needed at different price points.

Mortgage Rate Buydown Calculator

See the cost and benefit of buying down your rate — including permanent points and temporary 2-1 or 3-2-1 buydowns.

Loan Details
$
%
yrs
Permanent Buydown (Points)
1 point = 1% of loan amount
pts
%
Temporary Buydown (Seller-Paid)
📉

Enter your loan details and buydown structure to see the cost, monthly savings, and break-even point.

Want numbers tailored to your situation?

These are estimates. Real quotes are better.

A 20-minute free consultation gives you exact qualifying numbers — no obligation.

Book a Free Consultation 📞 (310) 594-5362