Every Mortgage Decision,
Calculated Perfectly
The most comprehensive free mortgage calculator suite for homebuyers, investors, and loan officers in the USA, Canada, UK & Australia. Accurate repayments, amortization schedules, refinance savings, and investment ROI — all in one place.
Trusted Across 4 Countries
Our calculators use region-specific formulas, tax rules, and lending standards so you get accurate results wherever you're buying.
United States
FHA, VA, USDA, Jumbo & conventional loan calculators
Canada
Fixed & variable rate mortgage tools for Canadian buyers
United Kingdom
Repayment, interest-only & buy-to-let calculators
Australia
Home loan repayment & stamp duty estimation tools
50+ Mortgage & Property Calculators
From monthly payments to investment ROI — every calculation you need to make confident real estate decisions.
18Purchase Calculators
Mortgage Payment
Calculate monthly payments with taxes and insurance
Biweekly Mortgage Payment
See savings from biweekly payments
Closing Costs Estimator
Estimate fees for closing a loan
Credit Score Impact
See how scores affect your rate
FHA Loan
Estimate payments for FHA mortgages
First-Time Buyer Eligibility
See if you qualify for special programs
Homeowners Insurance
Estimate annual insurance premiums
Jumbo Loan Qualification
Check limits and qualification for Jumbo
Maximum Loan Eligibility
Find your maximum borrowing limit
Mortgage Affordability
See how much house you can afford
Loan Amount Estimator
Calculate the base loan amount needed
PMI Estimator
Estimate private mortgage insurance costs
Renovation Mortgage
Include remodel costs in your loan
USDA Loan
Estimate USDA rural housing payments
VA Loan
Calculate VA home loan payments
Title Insurance
Calculate the cost of title insurance during a closing
FHA MIP Estimator
Figure up-front and annual mortgage insurance premiums
VA Funding Fee
Determine the exact cost of the VA home loan funding fee
9Refinance Calculators
ARM vs Fixed Rate Refinance
Compare adjustable and fixed rates
Break Even Refinance
Find the break-even point for refinancing
Cash-Out Refinance
Calculate equity extraction
HELOC Estimator
Estimate equity line payments
Home Equity Loan
Calculate lump sum equity loans
Rate & Term Refinance
Calculate new term refinance savings
Refinance Savings
Calculate total savings from refinancing
Reverse Mortgage
Estimate reverse mortgage payouts
Bridge Loan
Estimate costs for short term hard money or bridge loans
10Investment Calculators
Capitalization Rate
Determine ROI on investment properties
Capital Gains Tax
Estimate taxes on property sale
DSCR Analyzer
Debt service coverage ratio for investors
Net Proceeds
Estimate profit after home sale
Rental Property Mortgage
Calculate payments for rentals
Investment Property ROI
Calculate expected ROI on real estate
BRRRR Analyzer
Calculate ROI and cash left in deal for BRRRR investments
House Flipping
Estimate profit and maximum allowable offer for fix-and-flips
Wholesaling MAO
Calculate Maximum Allowable Offer based on assignment fees
Commercial Loan
Calculate commercial balloon payments and amortization
23Analysis Calculators
Amortization Schedule
Generate loan lifecycle breakdown
Adjustable Rate Mortgage
Estimate payments for ARM loans over time
Balloon Mortgage Payment
Calculate balloon loan schedules
Compare Multiple Loans
Analyze different loan scenarios
Debt-to-Income Ratio (DTI)
Calculate your loan eligibility DTI
Early Mortgage Payoff
Calculate savings from early payoffs
Effective Annual Rate
Find the true APR of your loan
Fixed vs Adjustable Rate
Compare standard rate structures
Interest-Only Mortgage
Calculate interest-only period payments
Extra Payment Savings
See how much extra payments save
Loan-to-Value (LTV)
Calculate your LTV ratio
Property Tax Estimator
Estimate local property taxes
Interest Deduction Savings
Estimate tax savings from mortgage interest
Rate Comparison Tool
Compare different interest rates
Rate Trends Analyzer
View historical rate variations
Term Comparison (15 vs 30)
Compare 15 and 30 year mortgages
Points & Fees Analyzer
Should you pay points to lower rate?
Property Tax
Detailed property tax breakdown tool
Total Cost of Mortgage
Find the true lifetime cost
Total Monthly Expenses
Include HOA, utilities, and taxes
Rent vs. Buy
Calculate the total financial cost of renting vs buying over time
Commission Estimator
Calculate real estate agent fees and seller net proceeds
Closing Proration
Prorate property taxes, interest, and HOA dues at closing
Live Mortgage Rates by City
Compare current mortgage rates across 270+ cities in the USA, Canada, UK and Australia. Rates refresh daily so you always see the latest numbers.
Explore US Property Taxes by State
Use the US Census ACS-5 datasets to automatically compute typical property tax burdens, housing values, and real effective local tax rates.
Why 500,000+ Users Trust Us
Built for accuracy, speed, and real-world mortgage decisions.
Bank-Grade Accuracy
Our formulas match the exact math used by major mortgage lenders and Fannie Mae / Freddie Mac underwriting.
100% Free, Forever
No sign-up walls, no paywalls. Every calculator is completely free to use, unlimited times, with zero ads.
Multi-Country Support
Accurate for USA (FHA, VA, USDA), Canada, UK, and Australian mortgage structures and tax rules.
Built for Professionals
Used by loan officers, real estate agents, and financial advisors for client-facing mortgage analysis.
Ready to Make Smarter Mortgage Decisions?
Join hundreds of thousands of homebuyers, investors, and professionals who trust Member Mortgages for accurate calculations.