CalculatorUSA App · 41 curated research-backed tools
US Mortgage & Money Calculators
Estimate payments, paycheck withholding orientation, loan costs, and savings growth with methods grounded in public formulas and federal consumer/tax materials. Educational only — not financial or tax advice.
Flagship tool
Mortgage payment (P&I)
Standard amortization · live result · optional extra principal
Loan
Rate
Term
Extra
Result
$2,022.62 / month (P&I)
P&I only — taxes, insurance, HOA, and PMI/MIP are separate. Not a loan offer.
Next step: Compare a second scenario if needed, then confirm figures with a lender, employer payroll, IRS/SSA tables, or a qualified tax professional. Educational only — not financial advice.
Also: PITI · FHA · Affordability · Take-home pay
Featured calculators
Hand-tuned flagships with research notes, multi-input engines, and dense how-to content.
Mortgage Payment Calculator
Estimate monthly principal & interest with optional extra payments.
Mortgage Amortization Calculator
See balance, interest, and principal after any month.
FHA Mortgage Calculator
FHA-style P&I with upfront and annual MIP orientation.
PMI Calculator
Estimate private mortgage insurance from LTV and annual PMI rate.
PITI Calculator
Principal, interest, taxes, insurance, MI, and HOA in one housing payment.
Mortgage Affordability Calculator
How much house based on income, debts, and front/back-end ratios.
Debt-to-Income Ratio Calculator
Front-end and back-end DTI for lending discussions.
Auto Loan Calculator
Car payment with tax, fees, down payment, and trade-in.
Personal Loan Calculator
Installment payment with optional origination fee.
Student Loan Payoff Calculator
Months and interest to pay off student debt at your payment.
Refinance Break-Even Calculator
Months to recoup refinance closing costs from payment savings.
Extra Mortgage Payment Calculator
See how extra principal shortens your loan and cuts interest.
Browse by category
Mortgage & Home
Payment, PITI, FHA/MIP, PMI, affordability, refinance, and down payment tools.
10 tools →
💳Loans
Auto, personal, student, amortization, and loan comparison calculators.
5 tools →
📈Savings & Growth
Compound interest, goals, CDs, emergency fund, rule of 72, inflation.
6 tools →
💵Tax & Pay
FICA, rough take-home, hourly/salary, overtime, effective tax orientation.
5 tools →
📉Debt Payoff
Credit card payoff, snowball/avalanche math, DTI.
3 tools →
🧮Everyday Math
Tip, sales tax, percent, unit price.
4 tools →
💼Small Business
Markup, margin, break-even, invoices, contractor tax set-aside sketches.
4 tools →
🚗Auto & Housing Costs
Fuel/MPG, property tax, closing costs, rent vs buy sketches.
4 tools →
How we build formulas
- Amortization and compound identities from standard time-value math
- FICA orientation from IRS Publication 15 and SSA wage base concepts
- Mortgage shopping language aligned with CFPB consumer education
- FHA MIP orientation from HUD public calculation materials (rates user-confirmed)
- Every page: inputs sources, method, examples, FAQ, and official links
Guides
Mortgage Payment Basics: P&I, PITI, and What Your Quote Leaves Out
Learn how fixed-rate mortgage payments are calculated, what P&I excludes, how PITI and MI fit in, and which calculators to use next. Educational only.
Understanding Debt-to-Income (DTI) for Mortgages and Loans
How front-end and back-end DTI are calculated, what counts as debt vs income, and how DTI ties to affordability tools. Educational consumer guide.
Paycheck Math: FICA, Effective Tax Rates, and Rough Take-Home Pay
How employee Social Security and Medicare (FICA) work, how rough take-home models use effective rates, and when to use the IRS Withholding Estimator.
Debt Payoff Strategies: Minimums, Snowball, and Avalanche Math
How credit card payoff math works, why minimums cost so much interest, and how snowball vs avalanche ordering changes multi-debt timelines.
Loan Estimate Checklist: Compare Offers Without Guesswork
A practical checklist for reading CFPB Loan Estimates: rate, APR, cash to close, projected payments, and how our calculators help you double-check math.