Refinance Break-Even Calculator

Mortgage Payment

Calculate your monthly P&I based on price, down payment, rate, and term.

Amortization Schedule

See the full month-by-month breakdown of principal, interest, and balance.

Home Affordability

Find out how much house you can afford based on your income, debts, and down payment.

Rent vs. Buy

Compare the true 5, 10, and 30-year cost of renting versus buying in Florida.

Bi-Weekly Payments

See how paying every two weeks can save thousands in interest and years off your loan.

ARM vs. Fixed Rate

Compare adjustable-rate and fixed-rate mortgages side by side over your ownership period.

15 vs. 30 Year Mortgage

Side-by-side comparison of 15-year vs. 30-year mortgages — interest, payment, equity.

FHA Loan Calculator

Calculate FHA payments including MIP, total loan cost, and 3.5% down payment.

VA Loan Calculator

Estimate VA loan payments including the funding fee and savings from no PMI.

PMI Removal

Find out exactly when your loan reaches 20% equity so you can cancel PMI.

HELOC Calculator

Calculate home equity line of credit draw and repayment based on your available equity.

Debt-to-Income Ratio

Calculate your front-end and back-end DTI ratio to see if you qualify for a mortgage.

Closing Costs (Florida)

Estimate Florida-specific closing costs including doc stamps, title insurance, and more.

Cash-Out Refinance

Calculate your new loan amount, monthly payment, and cash from a cash-out refinance.

Investment Property ROI

Analyze cap rate, cash-on-cash return, and gross yield for Florida rental properties.

Compound Interest

See how regular contributions grow over time with compound interest — great for down payment savings.