ClearHome Calculator

Know your number before you sign. Full mortgage toolkit — live rates, affordability, refinance, rent vs. buy & more. Free, private, on-device.

ClearHome Calculator gives you the full financial picture of buying a home — before you talk to a lender.

Unlike basic mortgage calculators, ClearHome accounts for state income taxes, real-time interest rates, property taxes, PMI, homeowner's insurance, and closing costs across all 50 states. Every number you need, in one place.

WHAT'S INSIDE

MORTGAGE CALCULATOR Enter your purchase price, down payment, interest rate, and state. Get your complete monthly payment broken down into principal & interest, property tax, insurance, PMI, and take-home impact after tax deductions.

LIVE MORTGAGE RATES Pulls current 30-year, 15-year, and 5/1 ARM averages directly from the Federal Reserve (FRED) — always up to date, no account required.

AFFORDABILITY CALCULATOR Find your true max home price using the industry-standard 28/36 DTI rule. Enter your income, existing debts, and down payment saved to see exactly what you qualify for — conservatively and aggressively.

RENT VS. BUY ANALYZER See your break-even year and projected net worth at 5, 10, and 20 years under both scenarios. Includes home appreciation, investment returns, and annual rent increases.

AMORTIZATION SCHEDULE Full month-by-month and year-by-year breakdown of every payment. Interactive chart shows exactly when your balance tips from interest-heavy to equity-building.

REFINANCE ANALYZER Should you refinance? Enter your current loan and a new offer. See your monthly savings, break-even month, and lifetime interest difference — instantly.

BUY-DOWN POINTS CALCULATOR Is paying discount points worth it? Compare your upfront cost against monthly savings and break-even timeline across the life of your loan.

MORTGAGE GLOSSARY Confused by mortgage jargon? Browse a full A-Z glossary of mortgage, tax, and real estate terms — always one tap away in the Resources tab.

SAVED SCENARIOS Save and compare multiple purchase scenarios side-by-side — different down payments, rates, or states.

SETTINGS AND APPEARANCE Choose Light, Dark, or System (follows your device) theme. Haptic feedback toggle. All preferences stored on-device.

STATE RESOURCES First-time buyer programs, down payment assistance, and housing finance agency links for all 50 states.

PRIVACY Zero data collected. All calculations happen entirely on your device. No account, no sign-up, no tracking — ever.

DISCLAIMER ClearHome Calculator is for informational purposes only and does not constitute financial or mortgage advice. Consult a licensed mortgage professional before making home purchase decisions.