Free Financial Calculators: Mortgage, Retirement & Home Equity
Last updated 07/28/2026 by
Andrew Latham
Each page below covers one financial calculation, what drives the result, and how to run it on your own numbers.
They are grouped by the decision behind them: the cost of a mortgage choice, the tax consequences of a retirement move, or what an offer against your home equity is really charging you.
Interactive tools are rolling out across these pages. The home equity investment calculator is live now.
Compare Home Equity Loans
Compare rates from multiple Home Equity Loan providers. Discover your lowest eligible rate.
Mortgage and Home Calculators
Mortgage Payoff Calculator How many years and how much interest an extra monthly payment removes from your loan.
Example: On a $350,000 loan at 6.5% over 30 years, the payment is $2,212. Adding $200 a month clears the loan 6.2 years early and saves $106,506 in interest.
Mortgage Recast Calculator What a lump sum toward principal does to your monthly payment when you recast instead of refinancing.
Example: Putting $50,000 against a $400,000 balance at 6.5% with 25 years left cuts the payment from $2,701 to $2,363, a drop of $338 a month, without changing your rate or resetting the term.
Reverse Mortgage Calculator How much you can draw against your home based on your age, its value, and current rates.
Example: A 70-year-old with a $500,000 home and no mortgage typically qualifies for somewhere between 35% and 45% of the value. The percentage rises with age and falls as rates rise, which is why two identical homes can produce very different offers.
Biweekly Mortgage Calculator The years and interest you save by paying every two weeks rather than monthly.
Example: Splitting that same $2,212 payment into $1,106 every two weeks retires a $350,000 loan at 6.5% in 24.2 years instead of 30, saving $101,763. The mechanism is simple: 26 half payments a year equal 13 monthly ones.
Mortgage Points Calculator Whether buying down your rate pays off, and how long you must stay for it to break even.
Example: One point on a $350,000 loan costs $3,500 and moves the rate from 6.75% to 6.5%, trimming the payment by $58 a month. Break-even lands at 60 months, so the point only pays if you keep the loan past five years.
PMI Calculator What private mortgage insurance costs each month and the date it drops off.
Example: A $300,000 home with 10% down leaves a $270,000 loan. PMI at 0.5% runs $113 a month, and at 6.5% over 30 years you reach the 80% threshold in 7.9 years, having paid about $10,688 for coverage that protects the lender rather than you.
Mortgage Interest Deduction Calculator How much mortgage interest you can write off, and whether itemizing beats taking the standard deduction.
Example: A $400,000 mortgage at 6.5% generates $25,868 of interest in year one, worth $5,691 in a 22% bracket. That only helps if your total itemized deductions clear the standard deduction, which is where most homeowners discover the write-off is smaller than expected.
Mobile Home Mortgage Calculator Payments and rates for manufactured homes, where the loan types differ from standard mortgages.
Example: A $120,000 chattel loan at 8.5% over 20 years costs $1,041 a month and $129,933 in interest, slightly more than the amount borrowed. Whether your home is titled as real property or personal property is what determines which rate you get.
Retirement and Tax Calculators
Roth IRA Calculator What your contributions grow into by retirement, and how much of that total is tax-free growth.
Example: Contributing $7,000 a year for 25 years at a 7% return turns $175,000 of contributions into about $473,735. The $298,735 of growth is the part that leaves the account untaxed.
Roth Conversion Calculator Whether converting a traditional IRA is worth the tax bill it triggers this year.
Example: Converting $100,000 costs $22,000 in a 22% bracket and $32,000 at 32%, paid now. That same $100,000 could grow to roughly $386,968 over 20 years at 7%, so the question is whether today’s bracket is lower than the one you expect in retirement.
Roth vs Traditional IRA Calculator Which account leaves you with more after tax, based on your bracket now against the one you expect later.
Example: The two are mathematically identical when your tax rate never changes. Every dollar of difference comes from the gap between your bracket today and your bracket at withdrawal, which is the only input that genuinely decides this.
MAGI Calculator Your modified adjusted gross income, the figure that decides IRA eligibility and several tax credits.
Example: MAGI starts from your AGI and adds back specific items such as student loan interest, IRA deductions, and foreign income exclusions. An AGI of $95,000 with $2,500 of student loan interest deducted produces a MAGI of $97,500, and thresholds are cliffs rather than slopes, so a few hundred dollars can remove a credit entirely.
Home Equity Calculators
Home Equity Investment (HEI) CalculatorInteractive tool live. The effective APR and balloon payment behind a shared equity agreement, set against a HELOC or home equity loan.
Example: A $75,000 investment on a $500,000 home with a 25% appreciation share and a 10-year term works out to 7.55% APR at 4% annual growth, with $147,531 owed at the end. At 6% growth the same contract costs 10.09%.
Investing Calculators
Benjamin Graham Intrinsic Value Calculator What a stock is worth under Graham’s original formula, and how far the current price sits from it.
Example: Graham’s formula is V = EPS × (8.5 + 2g). A company earning $5 per share with 5% expected growth values at $92.50, while raising the growth assumption to 8% lifts it to $122.50. That sensitivity is the formula’s main weakness and the reason to test a range.
Which Calculator You Need
If you are deciding between two ways to pay for something, the calculator that matters is whichever one converts both options into the same unit, usually total interest or effective APR.
Monthly payment is the number people compare, and it is the one most likely to mislead. A longer term always produces a smaller payment while costing more overall, so comparing payment against payment quietly favours the more expensive option.
Pro tip: Where a calculator asks for a rate of return or a rate of appreciation, run it three times: a pessimistic figure, a moderate one, and the rate your own market or portfolio has actually delivered. The spread between those three results is the part of the decision carrying real risk, and a single run hides it completely.
Andrew is the Content Director for SuperMoney, a Certified Financial Planner®, and a Certified Personal Finance Counselor. He loves to geek out on financial data and translate it into actionable insights everyone can understand. His work is often cited by major publications and institutions, such as Forbes, U.S. News, Fox Business, SFGate, Realtor, Deloitte, and Business Insider.
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