Mortgage Calculators
Buying a Home
Tools to help you plan your home purchase
How Much House Can I Afford?
Your real buying power from income, debts, and the cash you actually have. Finds both limits and tells you which one is holding you back.
Closing Cost Calculator
See itemized closing costs by state including transfer taxes, title insurance, and lender fees.
AMI Calculator
Area median income by county, and the programs that open up below 80% and 100%.
PMI Calculator
See how credit score and down payment affect your private mortgage insurance cost.
Mortgage Points Calculator
Should you buy points? Calculate your break-even timeline and total savings.
Amortization Calculator
See your full payment schedule with month-by-month breakdown.
Extra Payments
Pay off your mortgage faster
Mortgage Payoff Calculator
Extra monthly payments, biweekly, or a lump sum: how many years each takes off and how much interest it saves.
Prepay Curve Calculator
See why $1 in Year 1 saves more than $1 in Year 30. Visualize the true value of early payments.
15-Year Payoff Calculator
Compare continuing your 30-year vs accelerating to 15 vs refinancing to a 15-year loan.
Refinance and Recast
Analyze your refinance and recast options
Home Equity
Access and manage your home equity
Non-QM Loans
Alternative documentation and investor loans
DSCR Loan Calculator
Does your rental property qualify? Calculate your debt service coverage ratio.
Bank Statement Loan Calculator
Self-employed? Calculate your qualifying income from 12-24 months of bank statements.
Asset Depletion Calculator
Use your liquid assets to qualify for a mortgage. Calculate your synthetic income.
Retirement Planning
How long your money lasts, FIRE and Coast FIRE, and the reverse mortgage
How Long Will My Money Last
The age your savings run out — and how keeping, paying off, or reverse-mortgaging your home loan moves it.
FIRE Calculator
Your early-retirement number, counting Social Security and a mortgage that ends — plus Coast and Barista FIRE.
Coast FIRE Calculator
How much you need invested today to stop saving and still retire on time, and how a HECM at 62 lowers it.
Reverse Mortgage Calculator
What a HECM could give you: a lump sum, monthly income, or a line of credit that grows.
Ready to get started?
Check today’s rates, or get pre-approved with Altgage.