Know your real monthly payment before you buy
Free mortgage & real-estate calculators with taxes, insurance, and PMI built in. See what you can afford and whether to refinance — instant, accurate, and entirely in your browser.
- Instant results
- No login, no data stored
- Exact amortization math
Calculators
Mortgage Calculator
Full monthly payment with taxes, insurance, PMI & HOA — plus a complete amortization schedule.
Affordability Calculator
How much house can you afford? Find your price range from income, debts, and down payment.
Refinance Calculator
Compare your current loan to a new one — see breakeven months and lifetime interest saved.
Extra Payment Calculator
See how extra principal or biweekly payments shorten your loan and cut total interest.
Rent vs Buy Calculator
Compare the true cost of renting vs buying over your time horizon, including opportunity cost.
Down Payment & Closing Costs
Estimate cash to close — down payment plus a realistic closing-cost range.
Explore mortgage tools
Why Abodemic?
Exact, audited math
Payments, interest, and PMI are computed with the standard amortization formula — not estimated.
Transparent & sourced
Every tool links its methodology and authoritative sources, with a clear last-updated date.
Truly private
No account, no tracking of your numbers — everything runs in your browser.
Built for decisions
A clear path to a real lender quote at the moment you're ready.
Estimates for educational purposes only — not a loan offer, financial advice, or a commitment to lend. Actual rates, payments, and terms vary by lender and creditworthiness.