Nitro ToolzMortgage calculators
Payments, affordability and the loan decisions around them.
Mortgage Calculator
Monthly PITI with PMI, HOA and a full amortization schedule.
Home Affordability Calculator
How much house you can afford using front-end and back-end DTI.
Refinance Break-Even Calculator
How many months until a refinance pays for its closing costs.
Extra Mortgage Payment Calculator
Interest and time saved by paying extra principal.
Rent vs Buy Calculator
Compare the net cost of owning and renting over your time horizon.
Bank Statement Income Calculator
Qualifying income for self-employed borrowers from 12 or 24 months of deposits.
ProDSCR Calculator
Debt service coverage ratio for investment property loans.
ProAbout these tools
A mortgage is the largest monthly commitment most households ever sign, and the number on the listing is rarely the number on the bill. Taxes, insurance, HOA dues and mortgage insurance all sit on top of principal and interest. These calculators put every piece in one place so you can see the real payment before you fall in love with a house.
Start with the payment calculator to see the full PITI breakdown and a year-by-year amortization. Use the affordability tool to work backward from your income and debts using the same debt-to-income ratios lenders apply. When you already own, the refinance break-even and extra payment tools show whether a new loan or a bigger payment actually pays off.
Self-employed buyers and investors are covered too: the bank statement income and DSCR calculators approximate how non-traditional lenders qualify you. Every result updates as you type, runs entirely in your browser, and handles zero-rate loans correctly.