Refinancerate

Free Mortgage Calculators

Professional-grade calculators to help you make informed decisions about your mortgage. Used by thousands of homeowners and trusted by real estate professionals.

Mortgage Payment Calculator

Calculate your total monthly payment including principal, interest, taxes, insurance, HOA, and PMI.

Perfect for home buyers estimating monthly costs

Refinance Savings Calculator

Compare your current mortgage to potential refinance options and see your total savings and break-even point.

Ideal for homeowners considering refinancing

Amortization Schedule

See a detailed breakdown of every payment over the life of your loan, with options for extra payments.

Great for understanding long-term payment breakdown

Break-Even Calculator

Determine how long it will take to recoup your refinancing costs through monthly savings.

Essential for timing your refinance decision

Cash-Out Refinance Calculator

Calculate how much cash you can pull from your home equity and what your new payment will be.

Perfect for accessing home equity for projects

When to Use Each Calculator

Buying Your First Home?

Start with the Payment Calculator to understand your total monthly costs, then use the Amortization Schedule to see how your loan balance decreases over time.

Considering Refinancing?

Use the Refinance Savings Calculator to compare your current loan to new options, then validate your decision with the Break-Even Calculator.

Need Cash for a Project?

Try the Cash-Out Refinance Calculator to see how much equity you can access and what your new payment will be.

Planning to Pay Off Early?

The Amortization Schedule lets you add extra monthly payments and shows exactly how many years you'll save and how much interest you'll avoid.

Why Use Our Calculators?

100% Free

No signup, no credit card, no email required. Just accurate calculations.

Real-Time Results

See instant updates as you adjust loan amounts, rates, and terms.

Expert-Built

Created by Bill McCoy, licensed CA mortgage broker with 15+ years experience.

Ready to Take the Next Step?

Get personalized refinance rates in minutes. See exactly what you qualify for.

No impact to your credit score. Bill McCoy, CA DRE #01212512

About Our Mortgage Calculators

These mortgage calculators are designed to help you make informed financial decisions. Whether you're buying your first home, refinancing your current mortgage, or planning to tap into your home equity, our calculators provide accurate estimates based on current market conditions.

Each calculator is built using industry-standard formulas and updated regularly to reflect current lending practices. While these tools provide valuable estimates, remember that your actual loan terms may vary based on your credit score, debt-to-income ratio, and other factors.

For the most accurate quote tailored to your specific situation, get a free personalized quote from our licensed mortgage professionals.