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Mortgage calculators that tell you the truth about your money.
Most mortgage calculators are lead-capture funnels for lenders. Ours aren't. We show you every strategy side-by-side — including the one that costs us money — so you can pick what actually works for your numbers.
The Calculators
Five tools, deeply researched, each addressing a specific scenario most mortgage calculators get wrong or oversimplify.
Mortgage Recast Calculator
See your new payment after applying a lump sum. Compare recast vs refinance vs extra-payment strategies.
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PMI Removal Calculator
When PMI auto-cancels at 78% LTV, when you can request removal at 80%, and how much to pay down to remove it now.
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Biweekly Payoff Calculator
How much interest and time you save by switching to biweekly payments — and whether your lender will actually do it.
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ARM Reset Calculator
Project your adjustable-rate mortgage payment at reset under three rate scenarios. Critical for the 5M ARMs resetting through 2027.
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HELOC vs Cash-Out Refi
5-year cost comparison, breakeven analysis, and which makes sense for your specific cash-out goal.
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Why this site exists
Most mortgage tools online are gated by an email address, owned by a lender, or written by someone whose paycheck depends on you choosing a particular product. The calculator math itself isn't usually wrong — but the framing leaves out the strategies that don't generate a referral fee.
A recast that saves you $675/month looks great until you realize that the same lump sum, applied without a recast, would have saved you $147,000 more in total interest. Your bank isn't going to volunteer that math.
Every calculator on this site shows the dominant strategies side-by-side, including the one we don't make money on. We earn revenue from advertising and from optional affiliate links to lender comparison sites — clearly disclosed, never required, and never inserted into the math itself.