HOME & MORTGAGE
Decide what home
you can really afford.
Affordability, refinance triggers, rent vs buy — tools that use your real numbers, not bank maximums.
30-yr fixed
6.48%
▼ 0.06 this week
15-yr fixed
5.71%
▼ 0.04 this week
FHA 30-yr
6.12%
▼ 0.03 this week
5/1 ARM
5.98%
▲ 0.02 this week
FLAGSHIP TOOLS
The three decisions that matter most.
Home Affordability
Enter your income, debts and down payment to find a comfortable home price range — not the bank maximum, the amount that leaves room for life.
Refinance Break-Even
See the exact month your refinance pays off at any new rate. Set a target and get alerted when rates reach your break-even trigger.
Rent vs Buy
A full five-year and ten-year cost comparison that includes opportunity cost, tax benefits, appreciation scenarios and transaction costs.
ALL HOME TOOLS
Every homeownership decision covered.
True Monthly Home Cost
All-in payment: principal, interest, taxes, insurance, HOA and PMI combined.
Mortgage Payment Calculator
Clean payment table with amortization schedule and extra-payment scenarios.
Sell vs Rent Your Home
Compare keeping your home as a rental versus selling — including tax and opportunity cost.
Extra Payment Payoff
See how $200/month extra or a lump-sum payoff shortens your loan and saves interest.
15 vs 30-Year Mortgage
Total interest paid, monthly difference and break-even year for choosing the shorter term.
PMI Removal Date
Track your equity progress and the date you can request PMI removal.
ARM vs Fixed
Stress-test an adjustable-rate loan across rising-rate scenarios.
Home Sale Net Proceeds
Estimate after-commission, after-tax proceeds from a home sale.
Homeowner Annual Checkup
Review your equity, refinance opportunity and maintenance reserve every year.
Home Maintenance Reserve
Calculate the right annual maintenance budget based on age, type and value.
ANNUAL UTILITY
Homeowner Annual Checkup
Review your equity progress, refinance opportunity, PMI removal date and maintenance reserve every year — in under five minutes. Compare year-over-year.