Mortgage calculators · free · no sign-up
NestIQ
Professional mortgage calculators for loan officers and informed borrowers.
Today · national average
as of Apr 16, 2026
30-yr fixed
6.825%
15-yr fixed
6.125%
Market averages. Not an offer of credit.
§ Calculators
Six tools. Every mortgage conversation.
01
Amortization
Full schedule, PITI breakdown, extra principal, recast and payoff date.
Open02
Income qualification
Max loan from W-2, self-employed, rental income — with DTI dials.
Open03
Refinance comparison
Break-even, NPV, side-by-side on up to three competing offers.
Open04
Total cost analysis
Two-to-four scenarios across 5 / 7 / 10 / 15 / 30-yr horizons.
Open05
HELOC vs refinance
Blended rate against cash-out, with rate-stress curves.
Open06
Self-employment income
Fannie Mae 1084 + Freddie Mac Form 91 worksheets for self-employed borrowers.
Open