Updated July 2026

Home & mortgage calculators

The two biggest housing questions, run with real numbers: should you rent or buy in the first place, and once you own, how fast should you pay the loan down? Both tools work in your browser and keep your figures private.

Rent vs Buy

The break-even year buying beats renting.

Mortgage Payoff

What extra payments save in years and interest.

15 vs 30 Year Mortgage

Which term leaves you wealthier.

First decide whether to buy at all

A mortgage payment that looks cheaper than rent doesn't settle the question — buying carries big costs to get in and out, and the down payment could be invested instead. The rent vs buy calculator compares the two by net worth and finds your break-even year: the point where staying put makes buying the wealthier choice. In today's higher-rate market that line often sits further out than the old "five years" rule of thumb.

Then pay the loan down on your terms

Once you own, extra principal is one of the safest returns you can get — a guaranteed, tax-free saving equal to your mortgage rate. The mortgage payoff calculator shows exactly how much a monthly or one-time extra payment trims from your term and your total interest, with a payoff date and a balance chart. If you're weighing prepaying against investing that money instead, the saving & investing tools show the other side. Still choosing a loan? The 15 vs 30 year mortgage calculator compares the two terms on payment, interest, and long-run net worth.