Mortgage Calculator
Monthly payment, amortization schedule and payment breakdown with taxes, insurance and extra payments.
Open calculatorAll Mortgage Calculators
Free tools to understand the real numbers behind a home purchase: monthly cost, financing vs. paying cash, switching lenders, renovation returns, rent vs. buy, refinancing and down payments.
Finance vs. Pay Cash
Compare the true cost of financing a home vs. paying cash. Free calculator with opportunity cost, total interest and invested capital over time.
Open calculatorLoan Portability
Transfer your mortgage to a lender offering a lower rate and see your monthly savings, total savings and how long it takes to recover the fees. Free portability calculator.
Open calculatorRenovation ROI
Estimate the new value of your home after a renovation and see whether you make a profit or a loss. Free renovation ROI calculator with typical cost recovery by renovation type.
Open calculatorRent vs. Buy
Compare renting vs. buying over your planned stay. Free calculator with rent increases, home appreciation, property tax, maintenance and investment returns.
Open calculatorRefinance Calculator
Free refinance calculator. Compare your current mortgage with a new one: monthly payment, interest savings and break-even months. Should you refinance? Find out.
Open calculatorDown Payment Calculator
Free down payment calculator. See your down payment amount, loan amount, monthly payment, PMI and total interest — and compare 5%, 10%, 15% and 20% down.
Open calculatorAffordability Calculator
How much house can you afford? Free 28/36 rule calculator that shows your recommended housing budget, maximum home value and loan amount.
Open calculatorDiscount Points Calculator
Free discount points calculator. See how many months it takes for mortgage points to pay for themselves. Compare 0, 1, 2 and 3 points with breakeven analysis.
Open calculatorVA Mortgage Calculator
Calculate your VA mortgage payment with property taxes, home insurance and extra payments. Free amortization schedule and graphs.
Open calculatorFHA vs Conventional
Compare FHA and conventional mortgages — down payment, credit score, mortgage insurance and rates — to choose the right loan for your home purchase.
Open calculatorPGBL vs VGBL
Compare Brazilian retirement plans: PGBL (tax-deductible contributions, taxed on full amount) vs VGBL (no deduction, taxed only on earnings). Find out which saves more for your situation.
Open calculatorDécimo Terceiro
Calculate your Brazilian 13th salary: 1st and 2nd installments, progressive INSS and IR deductions, proportional 13th for partial years, and total net amount.
Open calculatorBrutto-Netto-Rechner
German gross-to-net salary calculator. See your Lohnsteuer, Solidaritätszuschlag, Kirchensteuer, health, pension, unemployment and care insurance deductions. Supports all 5 Steuerklassen.
Open calculatorWieviel Hypothek Netto
How much mortgage can you afford with your German net salary? Step-by-step guide: from gross-to-net to the 35-40% bank affordability rule, equity and purchase costs.
Open calculatorISA vs GIA
UK ISA vs General Investment Account calculator. Compare tax-free ISA returns with a taxable GIA: CGT, dividend tax and the real cost of investing outside an ISA.
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