Estimate payments, affordability, refinance math, PMI, home equity, and other home-ownership decisions before you commit.
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Compare tapping equity with a HELOC layered on your current mortgage against a cash-out refinance that replaces the whole loan at today's rate.
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Winning option | Dollar difference | Break-even point
Compare a fixed-rate home equity loan against a variable-rate HELOC — monthly payment, total interest, and payment-shock risk for the same amount borrowed.
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Winning option | Dollar difference | Break-even point
Compare buying with an SBL (no down payment, portfolio stays invested) vs a traditional mortgage. See which path leaves you wealthier after tax, compounding, and interest.
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Winning option | Dollar difference | Break-even point
See whether consolidating credit card and other high-interest debt into a fixed-rate home equity loan would lower your payment and total interest.
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Winning option | Dollar difference | Break-even point
Calculate your monthly payment, total interest, and full amortization schedule.
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Monthly payment | Total interest | Payoff timing
Compare total cost of a 5/1, 7/1, or 10/1 ARM vs 30-year fixed across different rate scenarios.
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Winning option | Dollar difference | Break-even point
How much do you need to put down on a home, and how does that change your monthly cost?
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Monthly payment | Total interest | Payoff timing
Calculate your FHA loan monthly payment with upfront MIP (1.75%) and annual mortgage insurance premiums. See when MIP drops off and the full all-in cost vs conventional.
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Primary result | Risk note | Next action
Calculate your draw-period interest-only payment, the jump to fully amortizing repayment, and how a 2-point rate rise changes both. See the payment shock before you commit.
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Primary result | Risk note | Next action
Find out how much house you can afford based on your income and debts.
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Required monthly amount | Projected gap | Target date
Calculate your monthly payment, total interest, and all-in cost for a fixed-rate home equity loan. See your combined LTV after the loan and whether you are within typical lender limits.
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Primary result | Risk note | Next action
See how your mortgage payment splits between principal and interest — and how that ratio flips over time.
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Monthly payment | Total interest | Payoff timing
Calculate your VA loan monthly payment, one-time funding fee, and monthly savings vs an equivalent FHA loan. VA loans have no monthly mortgage insurance.
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Primary result | Risk note | Next action
Refinance at today's rate, wait for a further drop, or do nothing? Compares total cost over the time you'll keep the home, net of closing costs.
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Winning option | Dollar difference | Break-even point
Estimate the closing costs on your home purchase, by major component.
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Monthly payment | Total interest | Payoff timing
Calculate your front-end and back-end DTI, see how close you are to the 43% mortgage threshold, and find the monthly debt cut or income needed to qualify.
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Primary result | Risk note | Next action
Calculate your LTV ratio, equity percentage, the exact balance needed to drop PMI, monthly and annual PMI cost, and how far you are from the 80% and 78% conventional thresholds.
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Primary result | Risk note | Next action
Calculate your private mortgage insurance monthly cost, the exact loan balance to request removal at 80% LTV, and the month the Homeowners Protection Act auto-cancels it at 78%.
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Primary result | Risk note | Next action
Find out exactly when paying discount points pays off — and how much you save over your time horizon.
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Winning option | Dollar difference | Break-even point
See whether renting or buying is the better financial move for your market.
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Winning option | Dollar difference | Break-even point
Lower your monthly payment with a lump-sum principal payment — no refinancing, no credit check, no closing costs.
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Winning option | Dollar difference | Break-even point
Estimate annual property tax, monthly escrow, and 30-year lifetime cost based on your home value and local effective rate.
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Primary result | Risk note | Next action
Compare total cost, monthly payment, and equity of each term.
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Monthly payment | Total interest | Payoff timing
How much will refinancing actually save you, net of closing costs?
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Winning option | Dollar difference | Break-even point
Estimate whether paying upfront to reduce a mortgage rate pays back through monthly savings.
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Winning option | Dollar difference | Break-even point
Find out how long it takes for monthly savings to outweigh closing costs.
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Winning option | Dollar difference | Break-even point
Appraisal Gap models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Required monthly amount | Projected gap | Target date
Biweekly Mortgage helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Monthly payment | Total interest | Payoff timing
Buy Before Sell Bridge models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Required monthly amount | Projected gap | Target date
Cap Rate helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Required monthly amount | Projected gap | Target date
DSCR helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Required monthly amount | Projected gap | Target date
Calculate your Debt-to-Income ratio, the key number lenders use to qualify mortgages.
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Primary result | Risk note | Next action
Escrow helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Required monthly amount | Projected gap | Target date
Extra Mortgage Payment helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Monthly payment | Total interest | Payoff timing
First-Time Buyer Readiness models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Primary result | Risk note | Next action
HOA Affordability helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Required monthly amount | Projected gap | Target date
Calculate your current home equity, loan-to-value ratio, and whether you qualify to remove PMI.
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Primary result | Risk note | Next action
Home Improvement ROI models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Required monthly amount | Projected gap | Target date
Home Insurance Impact helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Primary result | Risk note | Next action
Home Maintenance Reserve helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Required monthly amount | Projected gap | Target date
House Hacking models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Required monthly amount | Projected gap | Target date
Investment Property Cash Flow helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Required monthly amount | Projected gap | Target date
Jumbo vs Conforming Mortgage helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Winning option | Dollar difference | Break-even point
Mortgage Payoff helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Monthly payment | Total interest | Payoff timing
Should you pay discount points to buy down your mortgage rate?
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Winning option | Dollar difference | Break-even point
See how extra principal payments shorten your mortgage and save you interest.
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Monthly payment | Total interest | Payoff timing
Reverse Mortgage models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Monthly payment | Total interest | Payoff timing
Second Home Affordability helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Required monthly amount | Projected gap | Target date