Housing Calculators

Equal-budget model: compare renting vs buying with the same monthly spend. See break-even year, 30-year net-worth chart, and the 5% rule shortcut.

Max home price from both DTI caps (28/36), PMI, property tax, and insurance — with a clear read on which limit actually binds.

Monthly payment, total interest, and full amortization schedule. Extra payments, lump-sum payoff, biweekly, interest-only, and refinance comparison.

Calculate your monthly mortgage or mortgage repayment (UK/AU). Pre-filled with mortgage-sized defaults. Locale-aware vocabulary.

Monthly car payment for any auto loan or car finance deal. Pre-filled with typical auto loan defaults ($35,000 / 7.5% / 72 months).

Generic fixed-rate loan calculator — works for any loan type. All five calculation modes: standard, payoff, refinance, compare, and interest-only.

Fixed-rate student loan payment and payoff. Income-driven repayment (SAVE, PAYE, IBR, Plan 2, HECS) routed to official calculators.

Monthly personal loan payment, total interest, and payoff schedule for any amount, rate, and term.

Should I Rent or Buy?

Four-factor decision guide with personalised break-even year for your numbers.

Rent vs Buy Break-Even Calculator

The exact year the buyer's net worth overtakes the renter's — sensitivity to appreciation and interest rate.

Price-to-Rent Ratio Calculator

Market signal tool: below 15 favours buying, above 20 favours renting.

5% Rule Calculator

Quick shortcut: if annual rent < 5% of home price, renting wins on cash flow.

Owning vs Renting — Long-Run Comparison

10-year net-worth projection: equity channels vs invested-down-payment growth.

Rent vs Mortgage — Monthly Cost Calculator

Full ownership cost (mortgage + tax + maintenance + insurance) vs rent, side by side.

Is It Better to Rent or Buy?

Plain-language breakdown of when each choice wins financially.

Is It Cheaper to Rent or Buy?

Monthly out-of-pocket comparison with the equal-budget method.

Mortgage Payoff Calculator

See exactly how many months extra payments cut from your 30-year mortgage — and how much interest you save.

Mortgage Overpayment Calculator

UK-focused overpayment tool: see how extra repayments reduce your remaining mortgage term and total interest charged.

Mortgage Amortization Calculator

Full amortization schedule for your mortgage — month-by-month breakdown of principal, interest, and remaining balance.

Mortgage Refinance Calculator

Compare your current mortgage rate with a refinance offer: monthly savings, breakeven point, and total interest over both paths.

15 vs 30-Year Mortgage Calculator

Side-by-side comparison of a 15-year and 30-year mortgage: payment difference, total interest saved, and the real cost of the shorter term.

Car Loan Payoff Calculator

Add extra monthly payments to your auto loan and see exactly how many months you save — and how much interest you avoid.

Auto Refinance Calculator

Compare your current auto loan rate with a refinance offer: monthly savings, breakeven, and total interest across both paths.

Interest-Only Loan Calculator

Calculate interest-only payments, total interest during the IO period, and the fully-amortizing payment that follows.