Five linked calculators — payment, affordability, refi savings, rent vs. buy, amortization. Each shares state, so editing one updates the rest. Built by mortgage nerds for would-be buyers.
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $3,840 | $21,816 | $336,160 |
| 2 | $4,094 | $21,562 | $332,066 |
| 3 | $4,365 | $21,291 | $327,701 |
| 4 | $4,653 | $21,003 | $323,048 |
| 5 | $4,961 | $20,695 | $318,087 |
Income, debt, down payment in. A realistic max purchase price out — using the same DTI ratios real underwriters use.
Open affordability →Current rate & balance vs. today's offer. See lifetime savings, monthly drop, and break-even month with closing costs included.
Open refi savings →Compare 5-, 10-, 15-year horizons. Tracks home appreciation, opportunity cost on the down payment, and tax benefit.
Open rent vs. buy →Title insurance, escrow, taxes, recording — broken down by line item. State-specific rates for IA, NE, KS, MN, SD.
Open closing costs →How much earlier could you own it free-and-clear by adding $100, $200, or $500 to the monthly principal?
Open payoff calc →For rental property purchases. Plug in rent, expenses, and proposed loan — see if you'll qualify before applying.
Open DSCR calc →Five-minute pre-approval. Soft credit pull. Real licensed broker reviewing your file the same day.
Begin pre-approval →