Know your options. Make your move.
Home lendingCompare products Rate Lab Calculators
THE RATESMATTER TOOLBOX

Clarity, by the numbers.

Explore the tradeoffs before you make a commitment. Change the assumptions to see how your options compare.

An open notebook, pen, books, and a closed laptop on a sunlit wooden desk

Mortgage payment

Estimate principal, interest, taxes, insurance, and other monthly housing costs.

Open calculator

Refinance break-even

Compare payments, upfront costs, and the time needed to recoup closing costs.

Open calculator

Savings growth

Project a starting deposit, monthly contributions, and a hypothetical APY.

Open calculator

Debt payoff

Estimate your payoff timeline and interest with a fixed monthly payment.

Open calculator

Personal loan

See your payment, total interest, and proceeds after an origination fee.

Open calculator

Home affordability

Estimate a home price that fits your income, existing debts, down payment, and housing costs.

Open calculator

HELOC payment

Compare an interest-only draw payment with the payment when HELOC repayment begins.

Open calculator

Home equity

Estimate how much you could borrow against your home and the payment on the amount you need.

Open calculator

Cash-out refinance

Compare a cash-out refinance with keeping your mortgage and adding a home equity loan.

Open calculator

Extra payments

See how extra principal each month or a one-time payment shortens your loan and cuts interest.

Open calculator

Points break-even

Find when paying points for a lower rate pays off, and what they save over the years you keep the loan.

Open calculator