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Free Tools

Mortgage Calculators
Built for Real Scenarios

Free calculators for homebuyers, investors, and business owners. No login required for the basics โ€” create a free account to access all 25 calculators.

Free โ€” No Login Required

Popular Calculators

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Homebuyer Calculator
Full PITI payment for FHA, VA, Conventional, Jumbo, NonQM and DSCR loans with amortization schedule.
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Affordability Calculator
Find your maximum purchase price based on income and debts using the same DTI ratios lenders use.
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Refinance Calculator
Compare your current loan vs a new rate. See monthly savings, break-even point, and lifetime interest saved.
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SI MTG Financial Portal

Access All 25 Free Calculators

Create a free account to unlock DSCR, SBA, HELOC, Closing Costs, Rent vs Own, Tax Benefits, Bi-Weekly, ARM, Balloon, and 16 more professional mortgage calculators.

Create Free Account → Sign In
25
Free Calculators
Full Library

All 25 Calculators โ€” Free with Account

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Homebuyer Calculator
FREE • No login
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Affordability Calculator
FREE • No login
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Refinance Calculator
FREE • No login
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DSCR Calculator
FREE • No login
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Cash-Out Refinance
FREE • No login
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Bank Statement Income
FREE • No login
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DSCR Calculator
FREE • Login required
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HELOC Calculator
FREE • Login required
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Closing Costs
FREE • Login required
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Rent vs. Buy
FREE • No login
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Extra Payments
FREE • Login required
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Commercial Loan Calculator
FREE • No login
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SBA Loan Calculator
FREE • No login
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Income Requirements
FREE • Login required
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Tax Benefits
FREE • Login required
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Bi-Weekly Payments
FREE • Login required
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ARM Calculator
FREE • Login required
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Balloon Loan
FREE • Login required
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Fixed vs ARM
FREE • Login required
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Assumable Loan
FREE • Login required
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Points Calculator
FREE • Login required
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Property Tax
FREE • Login required
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Real APR
FREE • Login required
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Second Mortgage
FREE • Login required
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Interest Only
FREE • Login required
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USDA Calculator
FREE • Login required
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Tax Intelligence
FREE • Login required
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Loan Scenario
FREE • Login required

Need Help Interpreting Your Results?

Our licensed brokers can walk you through any scenario โ€” call or apply online.

Apply Securely Now →CA DRE #01480904 · NMLS #300923 · Equal Housing Opportunity

Which Calculator Should I Use?

Buying a home? Start with the affordability and mortgage payment calculators, then estimate your cash to close. Already own? The refinance and cash-out calculators show whether a new loan makes sense.

Self-employed borrowers can estimate qualifying income with the bank statement calculator, investors can check DSCR, and business owners can compare SBA and commercial loan payments.

How to Use It
  1. Run the numbers on the calculator that fits your goal
  2. Save or request your personalized results
  3. Talk with a licensed broker about real rates and programs
Related

Frequently Asked Questions

Are calculator results a loan approval?
No. Results are estimates for planning only. Your actual rate and terms depend on credit, property and lender review.
Do calculators affect my credit?
No. Using our calculators never pulls your credit.
Can I get help with my results?
Yes. Request a personalized review and we will follow up, usually the same business day.
Want Your Exact Numbers?

Calculators give estimates. A licensed broker can show your real rate and the programs you qualify for — no credit pull to start.

Get My Personalized Quote → or call 510-786-8739

Results are estimates for illustration only and are not a loan approval or commitment to lend. SI MTG · CA DRE #01480904 · NMLS #300923.

MIA — Mortgage Intelligence Assistant
Online · SI MTG Team
Hi! I'm MIA, your SI MTG mortgage assistant. I can help you find the right loan program, explain rates, or get you started. What can I help you with today?
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SI MTG · CA DRE #01480904 · NMLS #300923 · Not financial advice
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