Mortgage modeling for smarter decisions
Free tools to model mortgages, check what you can afford, and see exactly how extra payments, refinances, and rate changes affect your bottom line.
For credit unions, banks & mortgage teams — embed on your site
Everything you need to plan your mortgage
Mortgage Modeler
Model any loan with full amortization, extra payments, PMI tracking, ARM analysis, and what-if scenarios. See how every decision affects your total cost.
Get startedAffordability Calculator
Enter your income, debts, and down payment to see conservative, traditional, and maximum home price estimates with detailed monthly breakdowns.
Get startedCompare Scenarios
Place your saved scenarios side-by-side. Compare monthly payments, total interest, and payoff timelines at a glance.
Get startedPortfolio Analysis
Analyze multiple properties together. Track combined equity, cash flow, and apply what-if adjustments across your portfolio.
Get startedTemplates
Start with pre-built scenarios for refinance comparison, first-time buyer setups, early payoff strategies, and more.
Get startedLearn
Articles and guides on mortgages, ARMs, refinancing, and strategies to pay off your home faster.
Get startedQuickstart
Already know your situation? Jump straight into the modeler, preloaded and explained for a specific scenario.
Built for real planning, not just quick estimates
Every Payment, Mapped Out
Full amortization schedules showing principal, interest, equity, and balance — month by month, for the life of your loan.
Change Anything, See It Instantly
Adjust your rate, add extra payments, switch loan terms — results update in real time so you can explore without guessing.
What If I Refinanced? Paid It Down? Recast?
The What-If Lab lets you test refinances, paydowns, lump-sum payoffs, recasts, and cash-out refis — without changing your saved scenarios.
Ready to model your mortgage?
No signup required — start building scenarios immediately. Create a free account to save your work and sync across devices.
Launch Mortgage Modeler