Last updated: November 9, 2026 · By the MortgageCompass Editorial Team · How we research
Every calculator on MortgageCompass sits inside a guide that explains the rules behind the numbers, so you can check how each result is worked out. They are free, need no sign-up and run entirely in your browser: nothing you type is stored or sent anywhere. Choose your country below.
United StatesRate payment sliderSee how your monthly payment changes as the rate moves.United StatesAmortization scheduleYear-by-year interest and principal, with extra payments.United States15 vs 30 year switchCompare payments, interest and equity side by side.United StatesARM worst-case decoderDecode ARM caps and see the highest your rate could go.United StatesLoan Estimate comparerCompare two Loan Estimates line by line.United StatesFHA eligibility checkerA traffic-light check of the main FHA rules.United StatesFHA vs conventional cost chartMonthly cost over time as mortgage insurance drops off.United StatesUSDA decision treeAnswer a few questions to see if USDA could fit.United StatesVA loan myth cardsFlip cards that test common VA loan beliefs.United StatesDown payment trackerThe month you would reach 3%, 5%, 10% or 20% down.United StatesCredit score ladderWhich loans your score unlocks and your next milestone.United StatesCredit utilization plannerHow paying down cards could change your utilization.United StatesFirst-time buyer cash to closeCompare cash needed across first-time buyer programs.United StatesRefinance break-even timelineWhen a refinance pays back its closing costs.United StatesLender scorecardWeight what matters to you and score each lender.United StatesRate scenario plannerTest your budget against several rate paths.United StatesMortgage journey stepperThe eight stages from pre-approval to keys.United StatesAffordability comparatorPrice range from your income, in four countries.United KingdomStamp Duty calculatorSDLT by band for movers, first-time buyers and landlords.United Kingdom2 vs 5 year fix break-evenWhich fixed term costs less under different rate paths.United KingdomRemortgage countdownA personal calendar from your deal end date.United KingdomBank Rate simulatorFixed vs tracker over two years, quarter by quarter.United KingdomLender finder quizWhich type of UK lender fits your situation.CanadaLive stress testQualifying rate, debt ratios and a pass or fail badge.CanadaPrepayment penalty estimatorThree months’ interest vs the interest rate differential.CanadaFixed vs variable interest raceReplay 2021 to 2026 or race the next five years.CanadaThree-ceiling affordabilityLender, cash and comfort limits on the price you can afford.CanadaMortgage offer showdownTwo offers side by side, kept five years or broken early.AustraliaBorrowing power gaugeA lender-style assessment with APRA’s buffer.AustraliaSplit loan mixerMix fixed and variable and test RBA scenarios.AustraliaOffset account calculatorInterest and time saved by an offset account.AustraliaState grants explorerFirst home grants and stamp duty by state.AustraliaOffset, savings or redraw ledgerWhere your spare cash saves the most, with your break-even balance.InvestingShort-term rental profitIncome, costs and cash flow for a holiday let.InvestingRental yield receiptGross and net yield with every cost itemised.InvestingCity yield rankingSort and filter cities by rental yield.InvestingCap rate challengeFive rounds to spot the best deal.InvestingHouse hack waterfallYour net housing cost when tenants help pay.
Our calculators give estimates for general information only and are not financial advice or a loan offer. Lenders apply their own rules, so confirm figures with a licensed professional before you decide.