Why these tools are free and private
Every calculator on this page performs its math in your browser using the standard amortization formulas lenders rely on. Nothing you type is sent to a server, stored or shared. You can verify the results against the worked examples shown on each tool's page, which walk through the exact arithmetic step by step.
How the tools fit together
- Start with the Affordability Calculator to convert your income and debts into a realistic price ceiling under the 28/36 rule.
- Price the home with the Mortgage Payment Calculator — it splits the loan payment from taxes, insurance and HOA fees and shows the full amortization schedule.
- Revisit the Refinance Calculator whenever market rates move, to check whether a new loan would pay for its own closing costs.
Related reference pages stay useful after a news cycle ends: what a rate change does to a monthly payment, what a change in the gas price costs a commuter, and the next Fed decision date and time.