Mortgage and home calculators
Make Sense of the Numbers Behind Your Decisions
Thoughtful calculators for money and everyday decisions—built to make complex questions feel simple.
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Popular finance calculators.
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Mortgage calculator
Estimate payments, ownership costs, amortization and extra payments.
Open calculator → ⌂Mortgage affordability
Work backwards from income, debts, savings and reserves.
Open calculator → ↻Refinance calculator
Compare offers, costs, APR, break-even and long-term savings.
Open calculator → %Down payment calculator
Plan cash to close, reserves and the time needed to reach your goal.
Open calculator → ◇Home equity calculator
Estimate equity, borrowing room, payments and future growth.
Open calculator → LTVLoan-to-value calculator
Calculate LTV, CLTV, HCLTV, equity and target ratios.
Open calculator →Why DigitalCalcs
Real money decisions.
Numbers you can follow.
A monthly payment on its own doesn't tell you much. Each calculator shows how the result was reached, which assumptions it rests on and what happens when you change them.
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See the full breakdown, then change the rate, term or deposit to compare one scenario with another.
Built for where you live
Calculators are grouped by country, using local currency, terms and rules where they apply.
Private by design
Calculations run in your browser. The figures you enter are never stored on our servers.
Mortgage and home calculators for your country
Wondering how much home you can afford, whether refinancing will pay off or what a loan will really cost? Choose your country, pick a calculator and get a clear breakdown of your own figures in seconds.
You'll find calculators for mortgage repayments, affordability, deposits, loan-to-value, home equity and refinancing, each set up for how things work in your country, plus guides that explain the numbers with worked examples.
Results are estimates for planning and comparison, not financial advice. Rates, fees, taxes and lending rules vary and can change, so check important figures with your lender or a qualified financial professional before you commit.