Rusty’s Mortgage Planning Lab
Make the numbers useful.
Explore a payment, work backward from a comfortable budget, compare renting with buying, test a refinance or estimate possible sale proceeds.
Choose a calculatorPrivate by designYour entries stay in your browser.
Instant feedbackResults update as you type.
Planning—not approvalEvery result is an estimate.
Choose your question
Open a calculator.
Switch tools anytime. Your entries stay in this browser and are not submitted or saved.Build the whole payment
Mortgage Payment Calculator
Estimate principal, interest and the property costs that can change the real monthly housing payment.
Estimated total housing payment
Add your numbersYour estimate will update instantly as you enter values.
Estimate only. Not a loan approval or commitment. This is not a quote. Actual costs and qualification depend on your full scenario, current guidelines and third-party charges.
Start with comfort
Comfortable-Budget Calculator
Work backward from a monthly housing budget instead of starting with the largest possible purchase price.
Illustrative home price
Add your numbersYour estimate will update instantly as you enter values.
This does not review income, debts, credit, reserves or program rules. It is a budget illustration, not a qualification decision.
Estimate only. Not a loan approval or commitment. This is not a quote. Actual costs and qualification depend on your full scenario, current guidelines and third-party charges.
Compare two paths
Rent vs. Buy Explorer
Place estimated rent and ownership costs side by side over a time period you choose.
Estimated first-year ownership payment
Add your numbersYour estimate will update instantly as you enter values.
This simplified comparison does not include maintenance, selling costs, tax effects, investment returns or mortgage principal reduction. Home values can rise or fall.
Estimate only. Not a loan approval or commitment. This is not a quote. Actual costs and qualification depend on your full scenario, current guidelines and third-party charges.
Measure the recovery time
Refinance Break-Even Calculator
Estimate how long potential monthly savings could take to recover estimated refinance costs.
Estimated break-even point
Add your numbersYour estimate will update instantly as you enter values.
A refinance can change the term, total interest, balance, cash flow and equity even when the payment drops.
Estimate only. Not a loan approval or commitment. This is not a quote. Actual costs and qualification depend on your full scenario, current guidelines and third-party charges.
Plan the proceeds
Seller Net Sheet Estimator
Create a starting estimate of possible sale proceeds using the costs and assumptions you choose.
Estimated seller proceeds
Add your numbersYour estimate will update instantly as you enter values.
Actual proceeds depend on the contract, payoff statement, taxes, liens, settlement charges, brokerage agreement, repairs and other adjustments.
Estimate only. Not a loan approval or commitment. This is not a quote. Actual costs and qualification depend on your full scenario, current guidelines and third-party charges.
Numbers need context
Turn the estimate into a mortgage conversation.
A calculator can organize assumptions. A conversation can test them against the property, loan options and your complete financial picture.