Free Mortgage Calculators for Every Borrower Type

From bank statement income to DSCR ratios to crypto reserves — tools built for borrowers banks overlook.

Mortgage Payment Calculator

See your full monthly payment including taxes, insurance, and PMI across multiple loan types.

How much house can you actually afford? Enter your income and debts.

The only public tool that shows self-employed borrowers exactly how their bank deposit income gets calculated.

Run the debt service coverage ratio math on any investment property in 30 seconds.

Project your Airbnb qualifying income and DSCR ratio before you make an offer.

See if your Bitcoin, Ethereum, or stablecoin holdings satisfy the mortgage reserve requirement.

Compare tax return vs. bank statement qualification to find your highest qualifying income.

Calculate your VA loan payment including the funding fee — the number most calculators hide.

Is refinancing worth it? Find your break-even point in minutes.

Are these calculators accurate to the penny?

They are educational estimates. Final qualifying figures depend on full underwriting, credit, reserves, and program overlays.

Do these tools pull my credit?

No — calculators run in your browser and do not trigger a credit inquiry.

Which calculator should self-employed borrowers start with?

Most start with the bank statement income calculator or 1099 qualifier, depending on how you document income.

Can I share results with my loan officer?

Yes — screenshot your inputs and outputs to speed up your pre-qualification conversation.

Do investors use different tools than primary-home buyers?

Investors often use DSCR and Airbnb income tools first; owner-occupants may start with affordability and payment calculators.