Mortgage Calculators for the US and UK
Every NumberSwift mortgage tool in one place: US payment with taxes and PMI, UK repayments, affordability, points, refinance, recast and stamp duty.
11 tools with distinct tasks. Global tools use your entered assumptions; US and UK tools state their local scope and rule year.
Use monthly payments for an existing loan amount, affordability for a borrowing scenario, and refinance or fee comparisons to examine a proposed change. Purchase taxes and PMI answer separate questions.
Mortgage Calculator
Estimate monthly principal and interest, total interest and repayment on a fixed-rate mortgage. Add property tax, insurance and HOA charges only if you want them included.
↗US · Mortgage Costs & DecisionsUS Mortgage Affordability Calculator
Estimate a home-price ceiling using your chosen DTI limits and housing costs. This is a budget model, not lender approval.
↗US · Mortgage Costs & DecisionsMortgage Points Calculator
Compare a mortgage offer with discount points against one without them. Enter both lender rates; one point does not imply a fixed rate reduction.
↗US · Mortgage Costs & DecisionsUS Mortgage Refinance Calculator
Compare a replacement mortgage with your remaining loan. A lower monthly payment can come with more years of interest, so both outcomes are shown.
↗US · Mortgage Costs & DecisionsUS Mortgage Recast Calculator
Estimate how an approved lump-sum mortgage recast changes your payment. Compare reamortizing with keeping the original payment after the same principal reduction.
↗UK · Mortgage Costs & DecisionsUK Mortgage Repayment Calculator
Work out your monthly UK mortgage repayment from the amount borrowed, interest rate and term. Use property price and deposit instead if needed, or open the optional settings to model a follow-on rate and arrangement fee.
↗UK · Mortgage Costs & DecisionsUK Mortgage Affordability Calculator
Explore a borrowing range from your chosen household-income multiples. An optional combined debt budget can cap the repayment illustration.
↗UK · Home Costs & Ownership ScenariosUK Offset Mortgage Calculator
See how constant linked savings can reduce mortgage interest while you keep the original modeled payment. Savings remain separate cash; they are not treated as a lump-sum repayment.
↗UK · Mortgage Costs & DecisionsMortgage Fee Comparison Calculator
Compare two mortgage deals over one chosen period. Interest plus fees and remaining debt help distinguish a cheaper deal from merely a smaller payment.
↗UK · Mortgage Costs & DecisionsMortgage Early Repayment Charge Calculator
Estimate an early repayment charge using your mortgage contract’s actual allowance and charge basis. Do not assume every lender allows 10% free overpayments.
↗UK · Property Purchase TaxesStamp Duty Calculator
Estimate residential SDLT in England or Northern Ireland. Select your established buyer status and SDLT residency treatment; Scotland and Wales use different taxes.
↗Related collections
Browse all calculators or read our calculation methodology.