Free money tools

Money calculators that give you a straight answer

Plain words, your own numbers and this week's real mortgage rates. No sign-up needed to see your answer, and no lender calls unless you ask.

Buying a home

Can you afford this home?

See the true monthly cost and whether it fits your budget.

  • Loan, property tax, insurance, PMI and HOA in one number
  • Comfortable, a stretch or risky, based on your income
  • The price that would be comfortable for you
Check a home → Own a home

Should you refinance?

Find out if a new loan would save you money, or if it's better to wait.

  • Your new payment next to today's
  • When the upfront cost pays for itself
  • An email alert when rates drop enough for you
Check my loan → Your paycheck

Is your raise really a raise?

See what your raise is worth after prices rose too.

  • Your raise next to official inflation for the same months
  • What your new pay buys compared with before
  • The pay that would have kept up, in dollars
Check my raise → Deciding where to live

Rent or buy: which leaves you better off?

Count the real costs of both over the years you'd stay.

  • What you'd be worth after renting vs buying
  • The year buying starts to pull ahead, if it does
  • The rent at which the two would tie
Compare rent and buying →

For information only. These calculators give estimates, not financial advice or a loan offer. Rates come from Freddie Mac's weekly national survey. Read our disclaimer.