Your Roadmap to Mortgage Mastery
Welcome! Start with our powerful All-in-One Planner, or choose a guided path that matches your financial goal.
Start with the All-in-One Planner
This is our most powerful tool. It combines affordability, payoff scenarios, equity growth, and refinance analysis all in one place.
Go to the All-in-One Planner →Refinancing?
Find out if you are financially ready to refinance in 2 minutes.
Take the Readiness QuizQuick Tools for Immediate Answers
Or, Follow a Guided Path
Path 1: First-Time Buyer Guide
From budgeting to closing, secure your first home confidently.
Path 1: First-Time Buyer Guide
From budgeting to closing, secure your first home confidently.
Your goal is purchasing a home. Follow these steps to prepare your finances and secure a mortgage:
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Check Readiness: Credit & DTI
Ensure your credit score is strong and your debts are manageable before getting pre-approved.
Read: Checklist → -
Determine Your True Budget
Find the max home price you can afford while maintaining a healthy Debt-to-Income ratio (DTI).
Use: Affordability Calculator → -
Calculate Upfront Costs
Calculate your total cash needed for the down payment, closing costs (2-5%), and initial taxes/insurance.
Use: Down Payment Calculator → -
Model Your Monthly Payment
Run a full scenario (PITI) on the main planner to confirm the final payment is comfortable.
Use: Mortgage Planner (PITI) →
Path 2: Homeowner Optimization
Maximize savings, reduce interest, and tap equity efficiently.
Path 2: Homeowner Optimization
Maximize savings, reduce interest, and tap equity efficiently.
Your goal is to save interest and pay off your current loan as efficiently as possible:
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Accelerate Your Payoff
See exactly how much money and time you save by adding extra monthly payments or lump sums.
Use: Extra Payment Calculator → -
Refinance Analysis
Calculate your refinance break-even point and total savings if you shorten your term or lower your rate.
Use: Refinance Calculator → -
Opportunity Cost Check (NPV)
Determine if your extra payments are better used on your low-interest mortgage or invested (NPV analysis).
Read: Amortization & NPV → -
Tap Home Equity Wisely
Compare HELOCs and Cash-Out Refinancing to decide the best way to access your home's value.
Use: Home Equity Calculator →
Path 3: Real Estate Investor
Analyze cash flow, Cap Rate, and maximize rental property returns.
Path 3: Real Estate Investor
Analyze cash flow, Cap Rate, and maximize rental property returns.
Your goal is passive income. Analyze rental cash flow, Cap Rate, and Cash-on-Cash ROI:
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Calculate Investment ROI
Input purchase price, rent, and expenses to immediately see Cap Rate and Cash-on-Cash Return.
Use: Investment Calculator → -
Validate Initial Costs
Accurately estimate closing costs and property taxes, the two biggest upfront expenses.
Use: Closing Cost Calculator → -
Forecast Long-Term Wealth
Model the investment property in the main Mortgage Planner to forecast long-term equity growth.
Use: Full Planner →
Explore Our Full Suite of Calculators
Need a specific answer? Dive into standalone tools.
All-in-One Mortgage Planner
The 5-in-1 tool for advanced scenario analysis, DTI, NPV, and more.
Down Payment Calculator
Calculate your down payment, loan amount, and monthly P&I.
Extra Payment Calculator
See how extra payments can save you thousands and shorten your loan term.
Property Tax Calculator
Estimate your annual and monthly property taxes by state or manual rate.
Closing Cost Calculator
Estimate your total lender, third-party, and government fees before you buy.
Home Equity Calculator
Compare HELOC vs. cash-out refinance and see available equity.
Mortgage Amortisation Calculator
Visualize payment breakdown and the impact of extra payments.
Latest Mortgage Insights & Guides
Learn the concepts behind the calculations.
First-Time Home Buyer Guide
Buying your first home is exciting. This guide breaks it down step-by-step.
How to Pay Off Your Mortgage Early
Learn 5 proven strategies to pay off your mortgage faster and save thousands.
Home Equity vs. Refinance
HELOC vs. cash-out? Decide how to best tap into your home's value.
Mortgage Amortisation Explained
See where your payment really goes and how to build equity faster.
Fixed vs. Variable Mortgage
The pros and cons of rate stability vs. potential savings.
Hidden Homeownership Costs Guide
Discover every hidden cost, from closing fees to maintenance, before you buy.