Mortgage ToolkitFree mortgage calculators · US · UK · Canada
Mortgage calculators that help you make better home buying decisions
Calculate your monthly payment, compare mortgage offers, estimate overpayments, explore amortization schedules, and check today's average mortgage rates — all in one fast, free toolkit.
Your calculations run locally in your browser. No signup required.
Mortgage Calculators
Everything you need to estimate payments, compare mortgage options, reduce interest costs, and understand your loan.
Mortgage Calculator
Estimate your full monthly payment — principal, interest, property tax, insurance, PMI, and HOA — based on your home price, down payment, and rate. Get an accurate number in seconds, not a rough guess.
Mortgage Overpayment Calculator
See exactly how much extra payments or a lump sum save you. Compare your payoff date and total interest with and without overpayments, side by side.
Mortgage Amortization Calculator
See your full payment schedule broken down by principal vs. interest, year by year. Add extra payments to see exactly how much time and interest they save you.
Rent vs Buy Calculator
Compare the true cost of renting versus buying over time — mortgage, taxes, maintenance, and appreciation versus rent and what you'd earn investing the difference.
Loan Comparison Calculator
Put two loan offers side by side — different rates, terms, and closing costs — and see which one actually costs less over the life of the loan.
Mortgage Rates Today
Track average 30-year and 15-year mortgage rates, compare weekly changes, and see how today's rates affect your monthly payment.
Mortgage Guides
Simple explanations, practical examples, and mortgage calculators to help you buy with confidence.
Mortgage Pre-Approval vs Pre-Qualification: What’s the Difference?
Which one you actually need before making an offer — and what happens if you get it wrong.
Read →How Credit Score Affects Your Mortgage Rate (With Examples)
A 60-point credit score gap can cost you over $140,000 in interest. See real numbers by score tier.
Read →Refinancing Your Mortgage: When It Actually Makes Sense
The break-even math most people skip — and the amortization trap that can make a lower rate cost you more.
Read →Closing Costs Explained: What You’re Really Paying For
Every fee beyond your down payment, typical amounts for the US, UK, and Canada, and six ways to reduce them.
Read →Should You Pay Points to Lower Your Rate?
When buying down your rate actually pays off — and when that cash is better spent elsewhere.
Read →Renting vs Buying: The Real Break-Even Math
The full comparison, including hidden ownership costs most rent-vs-buy calculators skip entirely.
Read →Popular Mortgage Guides
Understand mortgage payments, refinancing, overpayments, closing costs, and home buying before making one of the biggest financial decisions of your life.
- Is Overpaying Your Mortgage Worth It? A Simple Break-Even Guide
- How to Read an Amortization Schedule (Step by Step)
- Renting vs. Buying: A Practical Framework for Your Decision
- How to Compare Two Mortgage Offers Side by Side
- UK Mortgage Overpayment Rules 2026: What You’re Allowed to Pay Without a Penalty
About Mortgage Toolkit
Mortgage Toolkit is an independent educational website that helps home buyers understand mortgage payments, interest costs, refinancing, loan comparisons, mortgage rates, and overpayments.
Our calculators are designed for buyers in the United States, United Kingdom, and Canada.
Every calculator runs entirely in your browser, meaning your financial information is never stored on our servers. Like most websites, we do use standard analytics and advertising cookies to keep this site free — see our Privacy Policy for details.
Mortgage rates are sourced from Federal Reserve Economic Data (FRED) and updated automatically each week.
Mortgage Toolkit is for educational purposes only and should not be considered financial, legal, or tax advice.