Mortgage Calculators & Tools
Every RateFig calculator in one place — payments, refinance, affordability, DTI, APR, and rent vs buy.
All tools are free, private, and require no registration. Pick a calculator below, or read a related guide to understand the math before you run your own numbers.
Mortgage CalculatorMonthly payment, amortization schedule, PMI, and property tax.Affordability CalculatorHow much house you can afford using the 28/36 rule.Refinance CalculatorRefinance savings and break-even point in months.DTI Ratio CalculatorFront-end and back-end debt-to-income ratios.APR CalculatorTrue annual percentage rate including fees.Mortgage Comparison WorksheetCompare three lender offers side by side.How Much House Can I Afford?Income- and debt-based home affordability estimate.Rent vs Buy CalculatorTotal cost comparison over your time horizon.Refinance Break-Even CalculatorMonths to recover refinance closing costs.Average Mortgage Rate 2026Verified Freddie Mac PMMS benchmarks and history.
Related guides
- Mortgage BasicsAPR vs Interest Rate: What the Two Numbers on Your Loan Estimate Mean
- Rate StrategyShould I Lock My Mortgage Rate Now? A 2026 Decision Guide
- Mortgage BasicsInherited a Mortgage? Your Rights Under the Garn-St. Germain Act
- Mortgage BasicsHow to Get Your Mortgage Lien Released After Payoff
- RefinancingRefinance Closing Costs by State in 2026: What Homeowners Actually Pay
- RefinancingRate-and-Term vs Cash-Out Refinance: Which Is Right in 2026
Updated 2026. Educational reference only — not financial, tax, or legal advice. Verify any figure with the primary source or a licensed professional before acting.
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