Buying a home
Know what you can afford before you make an offer.
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Mortgage Payment CalculatorYour full monthly payment: principal and interest, property taxes, insurance, PMI and HOA dues, plus your payoff date.
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How Much House Can I Afford?The most you can spend on a home for your income, debts and down payment, using the limits lenders apply.
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How Much Income Do I Need to Qualify?The income lenders want to see for a home price, and the cash you need to close.
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Rent vs. Buy CalculatorCompare the total cost of renting with buying over the years you plan to stay.
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APR CalculatorThe annual percentage rate of a loan once points, fees and mortgage insurance are included.
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Mortgage Tax Benefits CalculatorHow much a mortgage could lower your income taxes, after the standard deduction.
Refinancing and equity
See whether a new loan or a cash-out actually pays off.
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Mortgage Refinance CalculatorWhether refinancing pays off before you sell, after closing costs.
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Cash-Out Refinance CalculatorTo get cash from your home: refinance into a bigger first mortgage, or keep your loan and add a second?
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Should I Use a HELOC to Pay Off Debt?Compare paying off car loans and credit cards as they are with rolling them into a home equity line.
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Mortgage Points CalculatorWhether paying points for a lower rate is worth it, and when you break even.
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Which Loan Is Better CalculatorCompare two loan offers, including points and fees, over the time you expect to keep the loan.
Paying it off faster
Extra payments, bi-weekly plans and interest-only loans.
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Additional Payment CalculatorHow much time and interest you save with extra payments: monthly, every quarter, once a year or a one-time lump sum.
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Amortization Schedule CalculatorEvery payment of your loan, split into interest and principal, with dates, yearly totals and the effect of paying extra.
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Standard vs. Bi-Weekly Payment CalculatorPaying half your mortgage every two weeks adds up to one extra payment a year. See what it saves.
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Mortgage Length CalculatorHow long it takes to pay off your loan if you pay a different amount each month.
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Mortgage Principal CalculatorHow much interest and principal you have paid so far, and what you still owe.
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Interest Only CalculatorCompare an interest-only mortgage with a conventional loan over the whole term.
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Interest Only With Additional Payment CalculatorSee how extra principal payments shrink an interest-only loan and the balloon owed at the end.
Credit cards and debt
Plan your way out of debt, or check what lenders will see.
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Credit Card Payoff CalculatorHow long it takes to pay off a credit card at a fixed monthly payment, or the payment needed to be debt-free by a date you choose.
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Credit Card Minimum Payment CalculatorHow long paying only the minimum takes and what it costs, compared with a fixed payment and with paying it off in 3 years.
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Debt Snowball vs. Avalanche CalculatorPlan your debt payoff: see the order, payoff dates and total interest with the snowball (smallest balance first) and avalanche (highest rate first) methods.
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Debt Consolidation CalculatorCompare paying your debts as you do now with rolling them into one personal or consolidation loan, fees included.
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Balance Transfer CalculatorSee whether moving a card balance to a 0% intro APR card saves money once the transfer fee is paid, and the payment that clears it before the intro rate ends.
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Debt-to-Income Ratio CalculatorWork out your debt-to-income ratio (DTI) the way lenders do, and see how it compares with common mortgage and loan limits.