TrueCostLab
Mortgage Calculators
These calculators help users understand mortgage decisions such as affordability, loan payoff timing, and the financial trade-offs between renting and buying.
Home Affordability Calculator
Estimate how much house you can afford based on income, debt, down payment, and monthly budget.
Rent vs Buy Calculator
Compare renting and buying over time, test different timelines, and see which option makes more financial sense.
Down Payment Calculator
Calculate your down payment, closing costs, and total cash needed based on home price and loan type.
Mortgage Payment Calculator
Estimate your monthly mortgage payment, total interest, and full loan cost based on rate, term, and loan amount.
Mortgage Refinance Calculator
Compare your current mortgage with a refinance scenario, estimate break-even time, and see if refinancing is worth it.
Mortgage Payoff Calculator
See how extra payments reduce your mortgage term and help you become debt-free sooner. Compare strategies and find the fastest payoff plan.
Extra Mortgage Payment Calculator
Paying $200 extra/month on a $400k mortgage saves $47,000 and cuts 4 years. See your exact savings in 30 seconds.
Amortization Calculator
On a $400k mortgage at 6.8%, you pay $431,000 in interest over 30 years - more than the loan itself. See your full breakdown by year.
How to Use These Calculators
Buyers can use these tools together to plan their homeownership journey:
- affordability first
- down payment planning
- mortgage payoff simulation
- refinance scenarios
Related Mortgage Decisions
Major decisions homeowners face include:
- buying vs renting
- choosing loan size
- managing payoff speed
- refinancing strategy
Specific Mortgage Scenarios
Find exact numbers for your situation. These scenario calculators pre-fill the math for common income levels, home prices, and debt profiles.
Browse by Income
Can I afford a house with an income of...
Select option...
- Can I Afford a House on an $80k Salary?
- Can I Afford a House on an $90k Salary?
- Can I Afford a House on a $100,000 Salary?
- Can I Afford House 110k Income
- Can I Afford a House on a $120,000 Salary?
- Can I Afford House 130k Income
- Can I Afford House 140k Income
- Can I Afford a House on a $150,000 Salary?
- Can I Afford House 160k Income
- Can I Afford House 180k Income
- Can I Afford House 200k Income
- Can I Afford House 220k Income
- Can I Afford House 250k Income
- Can I Afford House 300k Income
- Can I Afford House 350k Income
Browse by Home Price
Can I afford a house that costs...
Salary Needed by Home Price
What salary do I need for a house that costs...
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- Salary Needed for a $250k House
- What Salary Do You Need to Afford a $300k House?
- Salary For 350k House
- Salary Needed for a $400k House
- Salary For 450k House
- Salary Needed for a $500k House
- Salary For 550k House
- Salary For 600k House
- Salary For 650k House
- Salary For 700k House
- Salary Needed for a $750k House
- What Salary Do You Need to Afford an $800,000 House?
- What Salary Do You Need to Afford an $850,000 House?
- Salary For 900k House
- What Salary Do You Need to Afford a $950,000 House?
- Salary For 1m House
Income Required by Home Price
What income do I need for a house that costs...
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- What Income Do I Need for a $250k House?
- What Income Do I Need For 300k House
- What Income Do I Need for a $350k House?
- What Income Do I Need For 400k House
- What Income Do I Need for a $450k House?
- What Income Do I Need For 500k House
- What Income Do I Need For 550k House
- What Income Do I Need For 600k House
- What Income Do I Need For 650k House
- What Income Do I Need for a $700k House?
- What Income Do I Need for a $750k House?
- What Income Do I Need For 800k House
- What Income Do I Need for an $850k House?
- What Income Do I Need for a $900k House?
- What Income Do I Need for a $950k House?
- What Income Do I Need For 1m House
Browse by Monthly Payment
What is the monthly payment on a house that costs...
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- Monthly Payment on a $250k House
- Monthly Payment on a $300k House
- Monthly Payment on a $350k House
- Monthly Payment on a $400k House
- Monthly Payment on a $450k House
- Monthly Payment on a $500k House
- Monthly Payment on a $550k House
- Monthly Payment on a $600k House
- Monthly Payment on a $650k House
- Monthly Payment on a $700k House
- Monthly Payment on a $750k House
- Monthly Payment on an $800k House
- Monthly Payment on an $850k House
- Monthly Payment on a $900k House
- Monthly Payment on a $950k House
- Monthly Payment on a $1M House
Down Payment & Debt Impact
How do other factors affect my mortgage?
Select option...
- First-Time Home Buyer Down Payment Calculator
- 20% Down Payment Calculator
- Conventional Loan Down Payment Calculator
- Can I Afford a $400k House With Debt?
- Can I Afford a House With Student Loans?
- Can I Afford a House With a Car Payment?
- Can I Afford a House with 5% Down?
- Can I Afford a House with 10% Down?
- Monthly Payment with 20% Down
Refinance & Payoff Strategies
How can I save money on my existing mortgage?
Mortgage Guides
Explore practical guides that help you evaluate affordability, renting versus buying, and whether extra mortgage payments make sense for your situation.
How Much House Can I Afford?
Learn how to think about income, monthly payment limits, and upfront costs before choosing a home budget.
Is It Better to Rent or Buy?
Compare flexibility, ownership costs, time horizon, and long-term financial tradeoffs.
Should I Pay Extra on My Mortgage?
Understand when extra payments reduce interest meaningfully and when your money may be better used elsewhere.