Free calculators for mortgages, debt, and rental deals

No sign-ups, no spreadsheets. Every calculator is fast, works on your phone, and shows its math. Rate defaults track the current 30-year fixed average of 6.35% (updated August 28, 2026).

Mortgage payoff calculator Browse all 20 calculators

Mortgage & Loans

Mortgage Payoff Calculator Find out how many years and how much interest you'll save by adding extra principal to your mortgage payment each month. Amortization Schedule Calculator Generate a full year-by-year amortization schedule showing how each payment splits between principal and interest, with optional extra payments. Bi-Weekly Mortgage Payment Calculator See how paying half your mortgage payment every two weeks shortens your loan and cuts interest — without a formal bi-weekly program. Mortgage Recast Calculator Apply a lump sum to your principal and re-amortize to a lower monthly payment while keeping your rate and payoff date. See the new payment and interest saved. Refinance Break-Even Calculator Calculate how many months it takes for refinance savings to recoup your closing costs, plus your new payment and five-year net savings. Rent vs. Buy Calculator Compare the total multi-year cost of buying a home versus renting, including closing costs, maintenance, appreciation, and the opportunity cost of your down payment. Home Affordability Calculator Estimate the maximum home price you can afford based on income, debts, down payment, and mortgage rate, using the conservative 28/36 DTI guideline. PMI Removal Calculator Find out when your loan reaches 80% and 78% loan-to-value so you can request or automatically end private mortgage insurance, with or without appreciation. ARM vs. Fixed Mortgage Calculator Compare an adjustable-rate mortgage to a 30-year fixed over your expected holding period, including the intro payment, worst-case payment, and rate-shock cushion. Mortgage Points Calculator Decide whether paying discount points to lower your mortgage rate is worth it, based on the monthly savings and how long you'll keep the loan.

Debt Payoff

Debt Snowball vs. Avalanche Calculator Compare the debt snowball and debt avalanche payoff methods side by side: see your debt-free date, total interest, and which debt clears first. Credit Card Payoff Calculator See how long it takes to pay off a credit card at a fixed monthly payment, how much interest you'll pay, and the payment needed to be done in 12 or 24 months. Debt-to-Income (DTI) Ratio Calculator Calculate your front-end and back-end debt-to-income ratios, see how much room you have under the 36% and 43% thresholds, and understand what lenders look for. Personal Loan Calculator Calculate a personal loan's monthly payment, total interest, and true effective APR once an origination fee is deducted from the amount you receive.

Real-Estate Investing

Rental Property ROI Calculator Analyze a rental deal end to end: cap rate, monthly cash flow, cash-on-cash return, the 1% rule, and gross rent multiplier, with financing included. Cap Rate Calculator Calculate a property's cap rate from net operating income and price, and see the implied value at 6% and 8% cap rates. Cash-on-Cash Return Calculator Calculate the first-year cash-on-cash return on a real-estate deal from annual cash flow and the total cash you put in. BRRRR Calculator Model a Buy-Rehab-Rent-Refinance-Repeat deal: all-in cost, refinance loan at 75% ARV, cash left in the deal, post-refinance cash flow, and cash-on-cash return. Fix-and-Flip 70% Rule Calculator Calculate the maximum allowable offer on a flip using the 70% rule: ARV times the rule percentage, minus repair costs and any wholesale fee. Short-Term Rental (Airbnb) Income Calculator Estimate gross and net income for an Airbnb or VRBO property from average daily rate, occupancy, cleaning fees, expenses, and financing.

Why these calculators

Most financial calculators online are slow, buried in ads, or gate the result behind an email form or a lead hand-off to a lender. These don't. Each one runs entirely in your browser, so nothing you type is sent anywhere, and each result page explains the formula and the assumptions so you can check the work.

The mortgage and loan tools default to live average rates pulled weekly from the Federal Reserve's economic data service, so a "payoff" or "refinance" estimate starts from today's market instead of a stale number. You can override every field.

Nothing here is personalized financial advice. See the methodology page for how each calculation is built and the disclaimer for the limits of a generic model.