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Mortgage Calculator
Full PITI breakdown with amortization schedule, PMI, taxes & insurance. Instant PDF export.
Home Affordability
CFPB 28/43 DTI guidelines.
PopularRefinance Calculator
Monthly savings & break-even point.
Rent vs. Buy
5-year total cost comparison.
NewRental Property ROI
Cash flow & Cap Rate analyzer.
FHA / VA / USDA
Government loan comparison.
HELOC
Equity line estimator.
FHA Calculator
FHA-specific with MIP.
VA Calculator
Zero-down VA loan math.
ARM Calculator
Adjustable rate scenarios.
Interest-Only
IO period vs full amortization.
Amortization
Full schedule with extra payments.
Down Payment
Savings timeline planner.
Points Buy-Down
Rate buy-down break-even.
DTI Calculator
Front & back-end ratios.
Auto Loan
Monthly payment + total interest.
NewStudent Loan
Repayment plan comparison.
NewCredit Card Payoff
Payoff date + interest saved.
Personal Loan
APR comparison tool.
PopularDebt Payoff Planner
Snowball vs Avalanche strategies.
Loan Comparison
Side-by-side loan analysis.
NewRetirement Planner
Compound growth projections.
NewFIRE Planner
Early retirement timeline.
NewCompound Interest
Investment growth calculator.
NewDRIP Forecaster
Dividend reinvestment plan.
NewIncome Tax 2026
2026 brackets + TCJA sunset.
NewCrypto Tax Estimator
Capital gains tax estimator.
NewOptions Profit/Loss
Visualizer for Calls/Puts.
Budget 50/30/20
Needs, wants, savings split.
California Closing
CA-specific costs.
Texas Closing
TX-specific costs.
Florida Closing
FL-specific costs.
General Closing
National average estimate.
Used by homebuyers nationwide.
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CFPB-Compliant Math
Every formula follows Consumer Financial Protection Bureau guidelines.
Zero Data Collection
All calculations run client-side — nothing hits our servers.
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Every tool is free forever. No email walls. No lead-gen.
2026 Limits Updated
$832,750 conforming · $541,287 FHA floor · Updated monthly.
Your financial clarity starts here.
28+ professional tools. Free PDF exports. Zero lead-gen. Always private.
Frequently Asked Questions
Quick answers about our free mortgage and finance calculators.
Are all USFinNexus calculators really free?
Yes — every calculator on USFinNexus is 100% free, forever. There are no premium tiers, no email walls, and no lead-gen forms. PDF and CSV exports are also always free. The site is supported by non-intrusive display ads, not lender referral commissions.
Does USFinNexus sell my data to mortgage lenders?
No. All calculations run entirely in your browser (client-side). Nothing you type into any calculator is sent to our servers. We do not collect, store, or sell any personally identifiable information. Zero bytes of your financial data leave your device.
What is the 2026 conforming loan limit?
The 2026 FHFA conforming loan limit is $832,750 for most U.S. counties. In high-cost areas (parts of California, New York, Hawaii, and other high-cost metros), the ceiling rises to $1,249,125. Loans above these limits are classified as jumbo loans and carry different qualification requirements.
How accurate are the mortgage calculators?
All formulas follow CFPB (Consumer Financial Protection Bureau) guidelines and standard U.S. amortization math. Results are accurate estimates based on the inputs you provide. Actual lender quotes will vary based on your credit score, income, property appraisal, and lender-specific fees. Always confirm final numbers with a licensed mortgage professional.
What is a good debt-to-income ratio for buying a home?
Conventional lenders generally require a back-end DTI (total monthly debts ÷ gross income) of 43% or lower. The CFPB's Qualified Mortgage rule caps back-end DTI at 43%. For the best rates, aim for a front-end DTI (housing costs only) under 28% and a back-end DTI under 36%.
Can I download my mortgage calculation results?
Yes. Every calculator on USFinNexus includes a free one-click PDF export and CSV download. The PDF includes your full amortization schedule, monthly payment breakdown (principal, interest, taxes, insurance, PMI), and total cost summary — generated entirely in your browser with no server contact.
Have more questions? Visit our Methodology page or Contact us.