Real Estate (Mortgage/Amortization/Affordability)

How to use (3 steps)

Start with Mortgage for monthly payment and total interest estimation.
Use Rate scenarios to stress-test payment peaks under step-up interest paths.
Then check Refinance break-even and Affordability/DTI for sustainability.

Compare total housing cost and identify the break-even year.

Estimate payments, interest, and payoff options in one place.

Stress-test payment and interest impact under rate hikes.

Compare staged rate-hike paths and see maximum payment and total-interest impact.

Estimate when closing costs are recovered and whether refinancing is worth it.

Rent vs Buy Calculator (Break-even with Costs & Investing).
Compare renting vs buying with mortgage, taxes, maintenance, selling costs, and investment opportunity cost.
Mortgage repayment planner – monthly payments, lump sums.
Simulate mortgage repayments with equal payment or equal principal methods, include bonus payments, lump-sum.
Mortgage Rate Increase Simulator — Payment and interest impact.
Simulate mortgage rate increase scenarios and compare payments vs a fixed-rate baseline.
Refinance break-even calculator – when closing costs pay off.
Compare current and refinanced loans.
Loan amortization schedule (with CSV export).
Build an amortization schedule with principal, interest, and balance per payment. Model extra payments and export.
Debt-to-income (DTI) ratio calculator.
Enter monthly income and monthly debt payments to compute your DTI percentage and a quick category label.
Loan affordability calculator – max payment (DTI).
Estimate the maximum monthly payment (EMI) and loan amount from monthly income, EMI ratio (DTI), APR, and term.