Your Mortgage Toolbox

Most mortgage apps only show you a payment estimate. But what's your actual monthly cost — with taxes, insurance, and PMI included? And how much cash do you actually need to close? Most calculators won't tell you that. Your Mortgage Toolbox will.

Our Total Payment & Cash to Close calculator gives you the complete picture — the real monthly payment AND the exact cash needed at closing. No surprises, no guesswork. Valid in all 50 states. Then go deeper with 7 more professional-grade calculators covering every stage of the home buying, selling, and refinancing process.

CALCULATORS INCLUDED

Total Payment & Cash to Close — See your full monthly payment (P&I, taxes, insurance, PMI) and exactly how much cash you'll need at closing.

Pre-Qualification — Enter your income and debts to estimate how much home you can qualify for based on standard lending ratios.

Income Needed — Working backwards from a home price? Find out the exact income required to qualify for that mortgage.

Mortgage Payment — Calculate your monthly principal & interest payment and view a full amortization schedule.

Net Proceeds — Selling your home? Estimate what you'll walk away with after commissions, payoff, and closing costs.

Refinance — Compare your current loan to a new one. See your new payment, monthly savings, and break-even point.

Rent vs. Buy — Run the numbers on renting vs. buying and see which makes more financial sense for your situation.

Down Payment Savings — Set a savings goal for your down payment and see exactly when you'll get there.

WHY YOUR MORTGAGE TOOLBOX?

- Professional-grade calculations used by mortgage lenders and real estate agents
- Fast, clean, and easy to use — no account required
- Works offline — all calculations happen on your device
- Your financial data never leaves your phone
- Save results for future reference
- Share the results with your family or friends

PRIVACY

Your Mortgage Toolbox does not collect, store, or transmit any personal information. All calculations are performed locally on your device. No account. No tracking. No ads.

For informational purposes only. Not financial advice. Consult a licensed mortgage professional for guidance specific to your situation.