Mortgage Calculators (2026)

Recast, refinance, points, biweekly payoff and ARM risk — modeled on real amortization, not rules of thumb.

Mortgage Recast Calculator Three ways to use a lump sum, compared on payment, interest and payoff date. Biweekly Mortgage Calculator True biweekly versus the 13th-payment approximation, and what each saves. HELOC vs Cash-Out Refinance Keep a low first mortgage or replace it — compared on blended rate. Mortgage Points Calculator How long you must keep the loan for discount points to pay off. ARM vs Fixed Calculator Best and worst case adjustable-rate paths against a fixed comparison.

About these mortgage calculators

Every calculator here runs a real amortization schedule rather than approximating with a rule of thumb, because the differences compound over decades. Compare a mortgage recast against a refinance and a lump-sum extra payment; see what true biweekly payments actually save; find the break-even on discount points including what those dollars would have earned invested; weigh a HELOC against a cash-out refinance on blended rate; and model an adjustable-rate mortgage at the worst case its caps allow. All figures are principal and interest only — property tax, insurance and PMI are excluded, and every page says so. Each tool also shows the formula it uses, so you can reconcile the output against your own loan estimate.