Mortgage modeling for smarter decisions
Powerful, free tools to model mortgages, compare scenarios, and plan your path to homeownership. See exactly how your choices affect payments, interest, and equity.
Everything you need to plan your mortgage
From first-time buyers to seasoned investors, our suite of tools helps you make informed decisions at every step.
Mortgage Modeler
Full-featured mortgage calculator with ARM analysis, extra payments, PMI tracking, and complete amortization schedules.
Get startedCompare Scenarios
Place 2-4 loan 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 like refinance comparison, first-time buyer setups, and early payoff strategies.
Get startedLearn
Educational resources to help you understand mortgages, ARMs, refinancing, and strategies to pay off your home faster.
Get startedBuilt for real planning, not just quick estimates
Complete Amortization Schedules
See every payment, month by month. Track principal, interest, equity, and remaining balance over the life of your loan.
Real-Time Calculations
Adjust any input and instantly see how it affects your entire loan. Model extra payments, rate changes, and more.
What-If Analysis
Apply hypothetical adjustments like payoffs, paydowns, recasts, or refinances without modifying your saved scenarios.
Ready to model your mortgage?
No signup required. Start building scenarios immediately and save them locally in your browser.
Launch Mortgage Modeler