Mortgage calculators · free · no sign-up
Mortgage calculators loan officers actually use.
Scenario analysis for purchase, refi, HELOC, self-employment income, and total cost comparisons. Free. No account required.
Today · Freddie Mac PMMS · national average · offline
as of Apr 16, 2026
30-yr fixed
6.30%
15-yr fixed
5.65%
Market averages, refreshed daily from the Federal Reserve Bank of St. Louis (FRED). Not an offer of credit.
§ Calculators
Six tools. Every mortgage conversation.
01
Amortization
Full schedule, PITI breakdown, extra principal, recast and payoff date.
02
Income qualification
Max loan from W-2, self-employed, rental income — with DTI dials.
03
Refinance comparison
Break-even, NPV, side-by-side on up to three competing offers.
04
Total cost analysis
Two-to-four scenarios across 5 / 7 / 10 / 15 / 30-yr horizons.
05
HELOC vs refinance
Blended rate against cash-out, with rate-stress curves.
06
Self-employment income
Fannie Mae 1084 + Freddie Mac Form 91 worksheets for self-employed borrowers.
iOS · TestFlight
Take NestIQ to the field
Save borrowers, sync scenarios across sessions, generate PDFs from your phone between meetings. Same math engine, same compliance footprint.