Estimate your monthly payment, find out how much home you can afford, see whether refinancing makes sense, and run dozens of "what if" scenarios, all in one place. Built for California buyers, free to use, no signup required.
Each calculator runs in your browser instantly. Tap any tool to start.
Estimate principal, interest, taxes, insurance, and PMI on any home loan.
Open calculator →Find your buying range using income, debts, down payment, and current rates.
Open calculator →Compare your current loan to a refinance scenario. See break-even and lifetime savings.
Open calculator →See how each monthly payment splits between principal and interest over time.
Open calculator →Compare the true cost of renting against owning over a custom time horizon.
Open calculator →See how extra monthly or annual payments shorten your loan and save interest.
Open calculator →Compare a 5/1 or 7/1 adjustable-rate loan against a 30-year fixed.
Open calculator →Calculate your DTI ratio and see where you fall against lender thresholds.
Open calculator →Mortgage calculators are excellent for testing scenarios and getting a feel for the numbers, but they're not a substitute for an actual rate quote. The math behind principal and interest is straightforward; the numbers around taxes, insurance, PMI, and lender pricing are not. Your real loan depends on your credit, down payment, the property, and the current market.
If a calculator gives you a number you like, the next step is to verify it with a free pre-approval. We respond within 1-2 business days with a real rate, real fees, and a written breakdown, no obligation.
Get a Real QuoteIt can estimate your monthly payment, total interest paid, affordability range, refinance savings, and how extra payments would change your payoff timeline. The numbers are estimates, your real loan depends on credit, down payment, property type, and current rates.
Calculators use standard amortization math, so the principal-and-interest figure is accurate for the inputs you provide. Taxes, insurance, PMI, and HOA are estimated using typical California averages and may differ from your actual quote.
If you're shopping for a home, start with affordability and monthly payment. If you already own, run the refinance calculator to see if your current rate is worth replacing. If you're closing in soon, use the amortization calculator to see how your balance pays down over time.
Yes. All of our calculators are free to use, work in your browser, and require no signup. We never collect or sell the data you enter.
Take your numbers and request a free pre-approval. A loan officer will give you a real rate based on your credit, down payment, and the property, usually within 1-2 business days.
Yes. Our calculators default to roughly 1.1% of assessed value annually, the rough California average. You can override this with your county's actual rate for a more precise estimate.
Calculator estimates are great. A personalized quote is better, and just as fast.