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Home & Mortgage Calculators
Free calculators to help you make smarter decisions when buying a home, choosing a mortgage, and comparing renting vs. owning.
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Mortgage Payment Calculator
Calculate your exact monthly payment — principal, interest, taxes, and insurance. See the full cost of your home.
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Mortgage Points Break-Even Calculator
Find out exactly how long it takes for discount points to pay off — and whether buying points makes sense for your timeline.
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Rent vs. Buy Calculator
Compare the true total cost of renting vs. owning. Find the exact month when buying becomes the cheaper option.
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Shopping for a Mortgage?
Compare rates from multiple lenders and find the best deal for your home purchase or refinance.
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Frequently Asked Questions
How much does one mortgage point lower my rate?
Typically 0.25% per point, but this varies by lender. One point costs 1% of your loan amount — on a $350,000 loan, one point = $3,500.
What is the price-to-rent ratio?
Divide home price by annual rent for a comparable property. Under 15 favors buying; above 20 often favors renting. Above 25 strongly favors renting.
How long do I need to stay in a home for buying to make sense?
Most scenarios show a break-even of 3–7 years depending on your market and rate. Use our Rent vs. Buy Calculator to find your specific number.
What is included in a monthly mortgage payment?
Most payments include Principal, Interest, Property Taxes, and Insurance — known as PITI. If your down payment is under 20%, you may also pay PMI. Use our Mortgage Payment Calculator to see the full breakdown.
