Free Tools

Mortgage Calculators

Seven tools to help you run the numbers before you call us. No email required, no strings attached.

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Mortgage Payment
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Home Affordability
🔄
Should I Refinance?
⚖️
Buy vs Rent
➕
Extra Payment
📊
Blended Rate
📉
Principal Balance
Mortgage Payment Calculator
Calculate your full monthly payment including principal, interest, taxes, insurance, and PMI.
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Enter your loan details and hit Calculate
Home Affordability
Find out how much home you can qualify for based on your income, debts, and down payment.
Car, student loans, credit cards, etc.
Typical Colorado: 0.5–1.5%
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Enter your income and debts to see your affordability range
Should I Refinance?
Calculate your new payment, monthly savings, and how long until the refi pays for itself.
Typically 2–4% of loan amount
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Enter your current and proposed loan details to see if a refi makes sense
Buy vs Rent Calculator
See how buying compares to renting over time — including equity buildup, appreciation, and opportunity cost.
% of home value/yr
⚖️
Enter your details to compare buying vs renting
Extra Payment Calculator
See how much interest you save and how many years you cut off your mortgage by paying extra each month.
➕
Enter your loan details to see how extra payments add up
Blended Rate Calculator
Calculate the blended interest rate across multiple debts — useful for cash-out refi analysis.
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Enter your debts to calculate your blended rate
Principal Balance
Find out your remaining loan balance after any number of payments — useful for knowing your equity position.
e.g. 36 = 3 years into a 30-year loan
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Enter your loan details to find your current balance

These calculators are for educational and estimation purposes only. Results are not a loan approval, commitment to lend, or guarantee of rates. Actual payments will vary based on final loan terms, credit profile, property taxes, and insurance. Contact Bighorn Mortgage Group for a personalized analysis. Bighorn Mortgage Group Ltd. | NMLS #1711344 | Licensed in Colorado.