You've found a house you love.

Now comes the part nobody prepares you for.

What’s the real monthly payment — not just the listing price, but taxes, insurance, maintenance, and HOA? Can you truly afford it, or will you feel stretched the moment you sign? And is buying even the right move right now?

Most people make this decision with rough estimates. This calculator gives you clarity.

The Mortgage & Rent vs. Buy Calculator includes:

✅Mortgage Calculator — Enter price, down payment, rate, and term. See your true monthly payment, total interest, LTV, and PMI instantly.

✅Affordability Check — Add your income and debts to find your safe budget using the 28% rule, plus your stretch limit.

✅Rent vs. Buy Comparison — See year-by-year which option puts you ahead and your exact break-even point.

✅Amortization Schedule — Track every payment and watch how interest vs. principal shifts over time.

No spreadsheets. No finance background. Just open, enter your numbers, and get answers in minutes.

Stop guessing. Know your number. Buy with confidence.