Calculators

Mortgage decision calculators

Every tool runs entirely in your browser. No sign-up, no tracking, correct to the cent.

Decision Engine

Compare extra payments, recast, refinance, and investing — all four at once.

See your new, lower payment after a lump-sum recast — same rate, same term.

Find your new payoff date and interest saved from extra payments.

How much a monthly extra or lump sum saves over the life of your loan.

New payment, monthly savings, and exactly when you recoup closing costs.

What switching to biweekly payments really saves — and the free equivalent.