Home Equity & Mortgage Calculators
Tap equity, compare the ways to do it, and pay the house off sooner.
Home Equity Loan Calculator
See how much you can borrow against your home and what the monthly payment would be, with a full amortization schedule.
Open calculator →HELOC Payment Calculator
Estimate your HELOC payments during the interest-only draw period and the repayment period that follows.
Open calculator →HELOC vs Home Equity Loan Calculator
Same equity, two very different loans. Compare payments and lifetime cost side by side — including what happens to the HELOC if rates rise.
Open calculator →Cash-Out Refinance vs Home Equity Loan Calculator
Need cash from your home? Compare replacing your whole mortgage against adding a home equity loan — total interest for each path.
Open calculator →Mortgage Payoff Calculator
See how extra monthly or annual payments shorten your mortgage and how many thousands in interest they save.
Open calculator →Refinance Break-Even Calculator
How many months until refinance closing costs pay for themselves — and whether the term reset quietly costs more than the rate saves.
Open calculator →Biweekly Payment Calculator
Half your payment every two weeks sneaks a 13th payment into each year. See exactly how many years and dollars that trick saves.
Open calculator →Mortgage Recast Calculator
Drop a lump sum on the mortgage and re-amortize: your new lower payment, what the recast fee buys, and how it compares to just prepaying.
Open calculator →Velocity Banking Calculator
Does chunking a HELOC into your mortgage actually beat just paying extra? Both plans, the same surplus, side by side — plus the break-even HELOC rate.
Open calculator →Mortgage Points Calculator
Are discount points worth it? Break-even month and lifetime savings for buying down your rate — before you hand over cash at closing.
Open calculator →Mortgage Points vs Down Payment Calculator
Same cash, two destinations. Buy down the rate or shrink the loan — with the PMI cliff, the point cap, and the month one finally overtakes the other.
Open calculator →15 vs 30 Year Mortgage Calculator
The classic trade-off, quantified: payments, lifetime interest, and the hybrid nobody mentions — a 30-year paid like a 15.
Open calculator →HELOC Payoff Calculator
Pay the line off early: what extra payments during the draw period save, and how to beat the payment cliff before it arrives.
Open calculator →HELOC vs Personal Loan Calculator
Funding a project? Compare a HELOC against an unsecured personal loan — closing costs and origination fee included — and find the break-even amount below which the personal loan is cheaper.
Open calculator →Home Equity Loan Payoff Calculator
Pay off a fixed-rate home equity loan early: how much sooner extra payments make you debt-free, and the interest they save on your second mortgage.
Open calculator →Solar Loan Calculator — Dealer Fee & the Month-18 Payment Jump
The 2.99% is bought with a dealer fee hidden in your price, and the payment assumes you hand over your tax credit by month 18. See the true APR — and what the payment becomes when the lump sum never arrives.
Open calculator →Guides for this cluster
Decision guides and data studies that use these calculators.
HELOC vs Home Equity Loan: How to Decide in 5 Questions
Five questions that decide between a HELOC and a home equity loan — spending pattern, rate risk, payoff speed, discipline, and the fine print.
Read →What an Extra $100 a Month Does to Your Debt: The Full Tables
Original data: how much time and interest an extra $100/month cuts from a mortgage, student loans, an auto loan, a personal loan, and a credit card — including the debts it outright rescues.
Read →Recast, Extra Payments, or Refinance? Where a Lump Sum Does the Most
A lump sum can lower your payment, shorten your loan, or fix your rate — three different moves. Here is how to pick the right one for your goal.
Read →Pay Off Debt or Invest? A Decision Order That Actually Ends the Debate
The debt-vs-invest debate ends with an order, not a winner: employer match, emergency fund, high-APR debt, then a genuine choice. Here is the math.
Read →15 vs 30 Year Mortgage: The Rate Discount Is Not the Point
Original data: only 15% of what a 15-year mortgage saves you comes from its lower rate. The other 85% comes from the shorter term — which a 30-year gives you for free, and lets you undo.
Read →Mortgage Points vs a Bigger Down Payment: The 4-Point Ceiling Nobody Mentions
Original data: the advice to "put it toward the down payment and kill PMI" describes a choice most buyers do not have. Absorbing that cash in points would take 11.1 points — and lenders sell four.
Read →Does Velocity Banking Work? We Modelled It Generously. It Is Worth $13 a Month.
Original data: velocity banking is not a scam — it beats plain extra payments by $1,835 over twelve years. But paying $25/month more beats it outright, every dollar of the benefit is the float, and below $102/month of surplus it turns on you.
Read →Does Infinite Banking Work? Your Policy Earns 3.99%. The Illustration Just Never Says So.
Original data: we gave the policy the return its own sellers claim, and taxed the index fund on every dollar of gain. Buying term and investing the difference still finished $172,608 ahead.
Read →The Solar Loan Trap: A Fee You Were Not Allowed To Be Told, and a Payment That Jumps 47%
Original data: the 2.99% solar loan is bought with a dealer fee of 15–30% hidden in your price, and its payment assumes a tax credit you may not be able to use — or, after 2025, one that no longer exists.
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