Home & Mortgage

Compare your mortgage with a new rate and term to see the monthly savings, the months needed to recover closing costs and the lifetime interest.

Compare renting and buying over the years you plan to stay, with mortgage, taxes, upkeep, closing and selling costs and the return on your savings.

See how much rent fits your income with the 30 percent rule, the 50/30/20 budget and the 40x income test landlords use, with your debts included.

See how much house you can afford with the 28/36 rule, based on your income, debts, down payment and current mortgage rates, including taxes, insurance and PMI.

Free mortgage calculator for the US: see your full monthly payment with principal, interest, property tax, homeowners insurance, PMI and HOA, plus a yearly amortization schedule. Uses the October 2026 average rate.