Mortgage Calculators | Efficient Wins

Pick the calculator that matches your question. Each tool is purpose-built with the inputs and outputs you actually need.

Core monthly principal & interest from home price, down payment, rate, and term.

Full PITI payment with property tax, insurance, HOA, and estimated PMI.

Maximum purchase price from income, debts, down payment, and DTI limits.

Month-by-month principal vs. interest split with declining loan balance.

Interest saved and months shaved off with extra monthly or lump-sum payments.

Crossover year where buying beats renting based on equity vs. invested savings.

Monthly savings, lifetime interest savings, and break-even on closing costs.

Payoff timeline and interest saved with 26 half-payments per year.