Financial calculators that
actually explain the math
Made for US homebuyers and borrowers. Every result comes with a plain-English breakdown — not just a number.
This week's mortgage rates
At 7.28%, a $320,000 30-year loan costs about $2,189/month in principal and interest. Every quarter point more adds roughly $55/month — which is why comparing lender quotes matters. What counts as a good rate? · Where rates may go next
Start with your situation
Each stage of buying a home comes with different questions
Thinking about buying
Find a price range that fits your income and debts, and check whether buying beats renting where you live.
Ready to make an offer
See the full monthly payment with taxes, insurance and PMI, plus the cash you will need at closing in your state.
Already own a home
Check whether a new rate actually saves money over the full loan, and how much extra payments cut your payoff date.
All calculators
Pick the tool that fits your situation
Affordability Calculator
Find out how much home you can afford based on your income, debts, and down payment. Uses real DTI math — not guesswork.
Mortgage Calculator
Calculate your full monthly payment — principal, interest, taxes, insurance, and PMI. See exactly how much home you can afford.
Rent vs Buy Calculator
Compare the true long-term cost of renting versus buying. Find your breakeven point and make a confident decision.
Closing Costs Calculator
Estimate all fees you'll pay when buying a home — lender charges, title, escrow, and prepaid items — before you get to the table.
Loan Payoff Calculator
See exactly when your loan will be paid off with extra payments — and how much interest you'll save over the life of the loan.
Refinance Calculator
Should you refinance? See your monthly savings, break-even point, and lifetime savings compared to your current mortgage.
How it works
No learning curve — open a calculator and start typing
Enter your numbers
Type in your loan amount, price, or income. Inputs update results instantly as you type — no submit button needed.
See instant results
Every calculation runs in your browser in real time. No waiting, no loading — results appear as fast as you can type.
Understand the math
Each result includes a plain-English breakdown explaining what the numbers mean and what to do with them.
Free financial calculators for US homebuyers
CalcWise offers a set of free, no-signup financial calculators built specifically for the US housing market. Whether you're comparing mortgage options, estimating what you'll owe at the closing table, deciding between renting and buying, or figuring out how extra loan payments save you money — each tool gives you an instant answer with a clear breakdown of the math behind it.
All calculations run entirely in your browser. There's nothing to install, no email required, and your data never leaves your device. Results update in real time as you adjust inputs, so you can explore different scenarios in seconds.