Run your numbers first.
Twelve free calculators. Results show as you type, with no email, signup or credit pull. Every figure is an estimate to plan with, and the real numbers come from the lenders you compare.
Buying a home
What a home costs each month, what price fits your income, and whether buying costs less than renting over the years you plan to stay.
- Mortgage payment calculatorWhat a home costs per month: principal, interest, property taxes, insurance and mortgage insurance.
- Home affordability calculatorA home price that fits your income and monthly debts, using the 28/36 rule.
- Rent vs buy calculatorWhether renting or buying costs less over the years you plan to stay, counting the costs of buying and selling.
Refinancing
Whether a lower rate pays back its closing costs, and how much cash a new loan, including a VA loan, could free up.
- Refinance break-even calculatorCompare your current payment to a new one and see how many months it takes to earn back the closing costs.
- Cash-out refinance calculatorHow much cash a new loan could free up, your new payment, and how it compares with keeping your mortgage and adding a HELOC.
- VA cash-out refinance calculatorThe most a VA cash-out loan could free up at 100% or a 90% cap, your funding fee, and the earliest date you can refinance.
Borrowing against your home
How much a lender could let you borrow against your equity, what a line of credit would cost each month, and how it compares with a cash-out refinance or the debts it would pay off.
- HELOC and home equity calculatorHow much you could borrow against your home at 80%, 85% and 90% lending limits.
- HELOC payment calculatorYour interest-only payment while the line is open, your payment once repayment starts, and the jump between them.
- Blended rate calculatorKeep your low mortgage rate and add a HELOC, or take one cash-out refinance: the blended rate, payments and cost of each.
- Debt consolidation calculatorYour card and loan payments now against one HELOC or cash-out refinance, with total interest and time to pay off.
- HELOC vs home equity loan calculatorThe same amount as a variable HELOC or a fixed home equity loan: payments over time, total interest and the break-even fixed rate.
- Texas home equity calculatorThe most you could borrow under the Texas 80% limit, whether your request fits, and the 2% cap on most lender fees, in dollars.
How these calculators work
Each one runs in your browser and shows its formula on the page.
- No email or signup
- Results update as you type. Nothing you enter is sent to LenderMatch or saved.
- Dated rate examples
- Where a rate is filled in for you, it is a published average with its date next to it, such as the Freddie Mac 30-year average of 7.40% for the week of October 15, 2026. Change it to the rate you were quoted.
- Estimates to plan with
- Your actual rate, costs and limits depend on the lender and your finances. A Loan Estimate from a lender shows the real terms.
- Formulas on every page
- Each calculator explains its math and the assumptions behind it, with the sources for any facts it uses.
Ready to compare real offers?
One short form, about 2 minutes, and lenders in your state reach out with their offers.
Free to use, and LenderMatch never pulls your credit.
Pick one to start the form.
- HELOCCash from your equity, keep your mortgage
- RefinanceBetter rate, or cash out
- VA cash-outCash out with a VA loan, for veterans
Buying a home? The purchase form opens soon.