CalculatorBrowse All Calculators
CalculatorBasics provides free mortgage and home-affordability calculators for all 50 states and Washington D.C. Every tool uses real 2026 data — live mortgage rates from the Federal Reserve and property tax rates from the U.S. Census Bureau — so you see your true monthly payment, including principal, interest, taxes, and insurance, not just a generic estimate.
Unlike basic payment-only calculators, these tools layer in state-specific property taxes, insurance, and loan-program costs (FHA MIP, PMI, VA funding fee, and more) so the number you get matches what you'll actually pay.
Core Calculators
Start here for mortgage payments, loan programs, affordability, and supporting finance tools — each with a short description of what it calculates.
Mortgage payment
Full PITI estimates with your state's Census property tax data — not principal-and-interest only.
Loan programs
Government-backed and conventional programs with down payment, PMI/MIP, and program rules built in.
FHA Loan
3.5% down and a lower credit score, with mortgage insurance (MIP) included.
VA Loan
0% down for eligible veterans — no PMI, no loan limit with full entitlement.
USDA Loan
0% down for eligible rural and suburban homes.
Conventional
The standard loan — PMI drops automatically at 20% equity.
Jumbo Loan
For loans above the 2026 conforming limit of $832,750.
Affordability & equity
Work from income, compare refi savings, or model a home equity line of credit.
Personal finance
Indexed supporting tools for loans, debt, savings, and everyday payment math.
Loan Calculator
Monthly payment, total interest, and amortization for any loan amount and term.
Auto Loan Calculator
Estimate car payments by price, rate, term, and down payment.
Debt Payoff Calculator
Compare avalanche vs snowball payoff and see interest saved.
Compound Interest Calculator
Project savings growth with compounding and regular contributions.
Tip Calculator
Quick tip math with custom percentages and bill splitting.
Mortgage Calculators by State
Mortgage calculators with local property tax data for every state.
Mortgage Calculators by City
Localized payment estimates for major metros with city-level home price context.
Mortgage Calculators by Loan Type
Compare different mortgage programs - FHA, VA, USDA, Conventional, and Jumbo loans
Payment Calculators
Estimate monthly PITI by loan program with down payment and insurance rules applied.
fha Mortgage Calculator
Low down payment, easier qualification
va Mortgage Calculator
0% down for veterans & military
usda Mortgage Calculator
0% down for rural properties
conventional Mortgage Calculator
Standard home loan program
jumbo Mortgage Calculator
High-value property financing
Affordability Calculators
Work backwards from income to see how much home each program supports.
fha Affordability Calculator
How much can you afford with fha loan
va Affordability Calculator
How much can you afford with va loan
usda Affordability Calculator
How much can you afford with usda loan
conventional Affordability Calculator
How much can you afford with conventional loan
jumbo Affordability Calculator
How much can you afford with jumbo loan
Refinance Calculators
Model monthly savings and break-even when replacing your current mortgage.
fha Refinance Calculator
Calculate refinance savings with fha
va Refinance Calculator
Calculate refinance savings with va
usda Refinance Calculator
Calculate refinance savings with usda
conventional Refinance Calculator
Calculate refinance savings with conventional
jumbo Refinance Calculator
Calculate refinance savings with jumbo
Each calculator type × loan type × all 50 states and Washington D.C. = 780+ specialized pages
Mortgage Calculators by Down Payment
See how 3% through 20% down changes PMI, MIP, and your monthly payment.
3% Down Payment
FHA minimum - lowest barrier to entry
5% Down Payment
Conventional minimum - good balance
10% Down Payment
Lower PMI costs
15% Down Payment
Significantly reduced costs
20% Down Payment
No PMI required - maximum savings
State-Specific Down Payment Calculators:
Calculate down payments with local property taxes, average home prices, and state-specific lending data
5 down payment tiers × 8 states = 40 state-specific pages + 5 general pages
Mortgage Calculators by Credit Score
Understand how credit tiers affect rates, PMI, and which programs you may qualify for.
Loan Calculators by State
Personal loan payment estimates with state-level defaults where available.
Can't find what you're looking for?
Let us know what calculator you need and we'll add it to our collection