Free Insurance & Mortgage Calculators
Estimate your costs in seconds — mortgage payments, refinance savings, car, home and life insurance. No signup, no email, no hidden fees.
Mortgage Calculator
Calculate your monthly mortgage payment including taxes and insurance. See total interest over the life of the loan.
Refinance Calculator
Compare your current loan with a new rate. Find out your monthly savings and break-even point.
Home Affordability Calculator
Based on your income, debts and down payment — how much house can you really afford?
Term Life Insurance Calculator
How much life insurance coverage does your family actually need? Get a number based on income, mortgage and debts.
Car Insurance Estimator
Get a rough estimate of what you should expect to pay for auto insurance based on your profile.
Home Insurance Estimator
Estimate annual and monthly homeowners insurance costs based on your home value and location.
Why Use Our Free Calculators?
Buying a home or choosing insurance are among the biggest financial decisions you'll ever make. Our calculators give you instant, transparent estimates — so you can walk into a bank, broker or insurer's office knowing exactly what numbers to expect.
Frequently Asked Questions
Are these calculators really free?
Yes. All calculators on this site are completely free to use, with no signup, no email required and no limits.
How accurate are the insurance estimates?
They are ballpark estimates based on average market rates. Actual premiums vary by insurer, state, credit profile and coverage selections. Use the estimates to budget, then compare real quotes.
Do you store my data?
No. All calculations run entirely in your browser. Nothing you type is sent to or stored on our servers.
Guides & Articles
Closing Costs Explained: A Buyer’s Breakdown
Quick Answer Closing costs for buyers typically run 2%–5% of the purchase price — $7,000–$17,500 on a $350,000 home —…
What Is PMI and How to Get Rid of It Early
Quick Answer PMI (Private Mortgage Insurance) is a fee charged on conventional loans when your down payment is…
How Much Is Homeowners Insurance?
Quick Answer Homeowners insurance averages about $140–$160/month nationally — roughly 0.35% of your home’s rebuild cost per year. But location swings…
Average Car Insurance Cost by Age (2026)
Quick Answer Full-coverage car insurance averages roughly $130–$160/month nationally for a 30–50-year-old with a clean record. Age is the biggest…
How Much Life Insurance Do I Need?
Quick Answer Most families need between 10 and 12 times annual income in term life coverage — but the honest…
When Is the Right Time to Refinance Your Mortgage?
Quick Answer The classic rule: refinancing pays off when market rates are at least 0.75%–1% below your current rate and you’ll…