Calculators | MortgageWizardTools

Mortgage Calculators

Choose from our comprehensive collection of free mortgage calculators.

Home Purchase

Calculate payments, affordability, and down payments for your dream home.

Mortgage Payment Calculator

Calculate your monthly mortgage payment based on loan amount, rate, and term.

Home Affordability Calculator

Find out how much house you can afford based on your income and debts.

Down Payment Calculator

Determine how much you need to save for a down payment.

Should I Rent or Buy?

Compare the true financial cost of renting vs. buying over your expected time horizon.

Refinancing

Explore refinancing options and calculate potential savings.

Refinance Calculator

See how much you could save by refinancing your current mortgage.

Cash-Out Refinance Calculator

Calculate how much equity you can access through cash-out refinancing.

Break-Even Refinance Calculator

Find out when your refinance savings will exceed closing costs.

Loan Analysis

Analyze your loan structure, extra payments, and interest savings.

Amortization Calculator

View a full amortization schedule showing principal and interest breakdown.

Extra Payment Calculator

See how extra payments can shorten your loan and save interest.

Interest Savings Calculator

Calculate total interest savings from different payment strategies.

Property Costs

Estimate property taxes, PMI, and closing costs.

Property Tax Calculator

Estimate annual and monthly property tax payments.

PMI Calculator

Calculate private mortgage insurance costs based on your down payment.

Closing Cost Calculator

Estimate total closing costs for your home purchase.