Run the Numbers
Nine Mortgage Calculators
Interactive tools that recalculate instantly as you change inputs. Every calculator uses the same math your Loan Estimate does — standard amortization, Reg Z methodology, 2025 tax brackets.
PITI + amortization
Monthly Payment
Full PITI breakdown with principal, interest, taxes, and insurance. Amortization preview showing first and last 6 months.
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Cumulative cost over holding period
Rent vs Own
Should you rent or buy? Compare total cash outlay over your expected holding period, factoring in appreciation, equity, maintenance, and opportunity cost.
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Note rate vs all-in rate
APR Calculator
Solves APR via Reg Z methodology with up-front fees (origination, discount points, processing) amortized over the life of the loan.
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Two offers side-by-side
Compare Loans
Compare two loan quotes — same amount, different rates/terms/up-front costs. Reports break-even month and lifetime savings.
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HELOC or cash-out refi savings
Debt Consolidation
Roll high-rate unsecured debts into a home-equity loan at the mortgage rate. See monthly cash flow freed up and lifetime interest change.
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Extra monthly principal
Prepay Savings
How much interest does $X extra per month save, and how many years does it knock off the loan? Side-by-side baseline vs accelerated.
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Inverse — pick a target
Early Payoff
Target a payoff year; the calculator solves the extra monthly principal required to hit it. Uses closed-form amortization math.
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Should you refi?
Refinance Break-Even
Compare your current loan to a refi at a new rate + closing costs. Reports break-even month and lifetime savings if held to term.
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Mortgage interest + SALT deduction
Tax Savings
Estimate federal tax savings from itemizing mortgage interest and state/local taxes (SALT). 2025 brackets, standard deduction comparison, SALT cap.
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Ready to lock a rate?
The calculators above use live-quality math — same model your Loan Estimate uses. When you're ready, apply through Alliance Mortgage Application in under 15 minutes.
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