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Smart Invest Life
Updated for 2026

Buying, financing and owning a home

Mortgage and Home Buying Calculators

Work out what a home costs each month, how much you can afford to borrow, and whether refinancing or buying instead of renting pays off. Also covers down payments, closing costs and the cost of living in other cities.

All Mortgage & Housing Calculators

7 Calculators
Includes PMI and HOA

Mortgage Calculator

Estimate your monthly payment with property tax, home insurance, PMI and HOA dues, then see the amortization schedule year by year.

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28/36 Rule

Home Affordability

Find out how much house you can afford from your income, debts, down payment and state, using the 28/36 rule.

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Refinance Calculator

Compare your current mortgage with a refinance to see your monthly savings, how many months until closing costs pay off, and the net interest saved.

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Invest the Difference

Rent vs. Buy Calculator

Compare the net cost of buying a home with renting and investing the difference, and see the year buying starts to come out ahead.

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Down Payment Calculator

Compare 3.5%, 5%, 10% and 20% down payments side by side: cash needed, monthly payment, PMI, and how many months it takes to save.

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Closing Costs Calculator

Estimate your closing costs and total cash to close: lender fees, appraisal, title insurance, state transfer tax and prepaid items.

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Cost Index + Income Tax

Cost of Living Calculator

Compare housing, groceries, transportation, utilities, healthcare and income tax in two U.S. cities to estimate the salary you would need after a move.

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