Looking for Canadian rules? Visit the separate Canada tools hub; U.S. loan rules below are not Canadian qualification rules.
The Complete Calculator Library
Browse our complete library of free U.S. calculators with clear assumptions and practical explanations. No signup; calculator inputs are designed to stay in your browser. Export options vary by tool.
Mortgage Calculator
Full PITI + amortization. Instant PDF export.
Home Affordability
CFPB 28/43 DTI guidelines.
Refinance Calculator
Monthly savings & break-even point.
Rent vs. Buy
5-year total cost comparison.
Rental 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.
Student Loan
Repayment plan comparison.
Credit Card Payoff
Payoff date + interest saved.
Personal Loan
APR comparison tool.
Debt Payoff Planner
Snowball vs Avalanche strategies.
Loan Comparison
Side-by-side loan analysis.
Retirement Planner
Compound growth projections.
FIRE Planner
Early retirement timeline.
Mortgage Payoff Calculator
Model extra principal, payoff time and interest saved.
PMI Removal Calculator
Estimate 80% LTV target and PMI savings.
Extra Payment Mortgage
See payoff time and interest savings.
Biweekly Mortgage
Compare 26 half-payments with monthly.
Temporary Buydown
Model 1-0, 2-1 and 3-2-1 subsidies.
Escrow Shortage
Explain payment jumps and repayment.
Affordability by Salary
Compare home prices by income.
Compound Interest
Investment growth calculator.
Trump Account 2026
$1,000 seed + family contribution growth.
DRIP Forecaster
Dividend reinvestment plan.
Income Tax 2026
2026 brackets + One Big Beautiful Bill updates.
Paycheck Take-Home Pay
Estimate salary or hourly pay after withholding and deductions.
Crypto Tax Estimator
Capital gains tax estimator.
Options Profit/Loss
Visualizer for Calls/Puts.
Budget 50/30/20
Needs, wants, savings split.
Canada Mortgage
CAD payment, insurance & stress test.
California Mortgage
Editable California tax and insurance assumptions.
Texas Mortgage
Editable Texas tax and insurance assumptions.
Florida Mortgage
Editable Florida tax and insurance assumptions.
General Closing
National average estimate.
State Mortgage Calculators
Use local tax and insurance assumptions for high-intent state mortgage searches. Always replace defaults with the property’s current bill and quote.