FinanceCalc
Clear mortgage, loan, and affordability math for confident money decisions.
Instant, private calculators built for high-stakes planning—full PITI breakdowns, transparent schedules, and estimates you can actually understand.
Quick snapshot
Plan before you shop
- Model taxes, insurance, and PMI alongside principal & interest
- Stress-test extra payments and payoff timelines
- Align purchase price with the 28/36 affordability rule
Choose a calculator
Focused tools for the decisions that move the most money.
Guides that explain the math
Long-tail explainers for PITI, affordability, refinance break-even, and loan terms.
9 min read
Mortgage Closing Costs Explained: What Buyers Pay and How to Budget
Understand common mortgage closing costs, typical cost categories, prepaid expenses, lender credits, and how much cash to keep beyond your down payment.
8 min read
How to Remove PMI: Equity Rules, Requests, and Automatic Termination
Learn when conventional PMI may be canceled, how the 80% and 78% thresholds differ, and what to ask your mortgage servicer.
7 min read
APR vs Interest Rate: Which Number Should You Compare?
See why a mortgage APR can be higher than the note rate, which fees it reflects, and how to compare competing loan offers fairly.
8 min read
Extra Mortgage Payments: How Much Interest and Time Can You Save?
Learn how extra principal payments change amortization, compare monthly and lump-sum strategies, and avoid common prepayment mistakes.
10 min read
First-Time Homebuyer Budget: Down Payment, Closing Costs, and Reserves
Build a realistic homebuying budget that covers the down payment, cash to close, moving costs, repairs, and an emergency reserve.
8 min read
PITI vs Principal & Interest: What Your Mortgage Payment Really Includes
Learn why PITI (principal, interest, taxes, insurance) is the number buyers should budget—and how it differs from a simple P&I quote.
9 min read
How Much House Can I Afford? A Practical 28/36 Rule Guide
Use the 28/36 rule with income, debts, taxes, and insurance to estimate a realistic home price before you shop.
8 min read
Refinance Break-Even Explained (With Closing Costs & Examples)
See how to calculate refinance break-even months, when a lower payment still loses money, and what to compare besides the new rate.
8 min read
15 vs 30 Year Mortgage: Payment, Interest, and How to Choose
Compare 15-year and 30-year mortgages on monthly payment, total interest, equity build, and which term fits different budgets.
8 min read
Debt-to-Income Ratio Explained: Front-End, Back-End, and the 28/36 Rule
Learn what DTI means for mortgage approval, how front-end and back-end ratios differ, and how to lower a high debt-to-income ratio.
Why these calculators are better
Built for trust and clarity—especially when you are comparing homes or loans.
Full PITI, not half the story
Mortgage results include principal, interest, taxes, insurance, and PMI—so your budget matches real housing costs.
Transparent math
Every calculator shows clear breakdowns and amortization schedules you can inspect month by month.
Private by design
All calculations run in your browser. No accounts, no uploads, and no waiting on a server.
Always free to use
Plan purchases and loans without paywalls. Built for clarity first—ready for when you compare lender quotes.