Mortgage planner
Know the whole payment.
Not just the mortgage.
Your estimate in three quick steps
- Enter the home
Add the price and down payment. PMI is included automatically below 20% down.
- Shape the loan
Enter the interest rate, choose a term, and add optional costs or extra payments.
- Review the full picture
Your monthly estimate updates instantly. Save a scenario only when you want to keep it.
Start with the home
With less than 20% down, we estimate $192/month in PMI at a 0.54% annual rate. Add $47,500 to the down payment to remove it from this estimate.
Shape the mortgage
Pull the latest U.S. 30-year planning benchmark. Outside the U.S.? Enter your local lender rate above. Selecting NY does not alter this rate.
Pay down the loan faster
PMI is estimated
Actual mortgage insurance depends on credit, lender, and loan program.
Rates are a benchmark
Use a lender’s Loan Estimate when you’re ready to compare real offers.
Your scenarios stay yours
Account saves sync securely; guest saves stay in the browser that created them.
Use it freely. Save it your way.
No account is required to calculate, compare, or save a scenario on this device.
Guest saves stay on this device. Clearing browser data removes them, and they do not transfer automatically if you later sign in.
Optionally sign in with ChatGPT to keep scenarios with that account and retrieve them on other supported devices.
Sign in with ChatGPTPlanning a move too?
Explore VolCal, a moving volume calculator for people relocating.
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