Private mortgage, HELOC and insurance calculators

Compare specific US mortgage and insurance scenarios without entering contact information or sending the figures to ToolOrbit. Every result is an educational estimate and exposes the formula and assumptions behind it.

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Pay a mortgage down faster

Compare extra principal and biweekly schedules with the standard payoff time and interest.

Compare borrowing structures

Review two mortgages, a commercial balloon loan or HELOC draw and repayment periods.

Evaluate specific costs

Estimate a recast, refinance break-even, PMI threshold, discount points or DIME coverage need.

Choose the exact task

11 free finance tools

Mortgage Extra Payment & Early Payoff Calculator

Calculate how extra monthly or lump-sum principal payments can change your mortgage payoff date and interest.

Open PayoffPathCRE

Commercial Mortgage Calculator With DSCR & Balloon

Estimate a commercial property loan payment, annual debt service, DSCR and balloon balance.

Open CommercialLoanA/B

Mortgage Comparison Calculator: Compare Two Loans

Compare two mortgage rates, terms, fees, monthly payments and estimated lifetime costs side by side.

Open MortgageMatch26

Biweekly Mortgage Payment Calculator

Estimate the payoff time and interest savings from making 26 half-payments each year.

Open BiweeklyPayoffH

HELOC Payment Calculator: Draw & Repayment Period

Estimate interest-only HELOC payments, a later amortized repayment payment and sensitivity to rate changes.

Open HELOCPlanR

Mortgage Recast Calculator: Payment After Lump Sum

Estimate a new mortgage payment after a lump-sum principal payment and lender recast.

Open RecastPlan80

PMI Removal Calculator: Check Your Mortgage LTV

Estimate loan-to-value, principal needed to reach 80% LTV and annual private mortgage insurance cost.

Open PMIExit↘

Refinance Break-Even Calculator

Compare current and proposed mortgage payments, closing costs and the estimated refinance break-even month.

Open RefiPoint1%

Mortgage Points Calculator: Buydown Break-Even

Compare mortgage quotes with and without discount points and estimate the break-even month.

Open PointCheckD

DIME Life Insurance Needs Calculator

Estimate a life insurance coverage starting point from debt, income, mortgage and education needs.

Open DIME Cover$

Loan Payment and Interest Calculator

Estimate monthly payments, total interest and payoff cost for a fixed-rate loan.

Open LoanMap

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Common questions

Before you start

Are these calculators financial advice?

No. They provide educational estimates and do not evaluate approval, suitability, tax treatment, policy terms or a lender's decision.

Does ToolOrbit receive my financial figures?

No. The current calculators run in the browser and do not require an account or send the entered figures to ToolOrbit for calculation.