TotelLite

Make confident money decisions — before you sign. Whether you're buying your first home, weighing a refinance, or deciding between renting and buying, this app turns intimidating real estate math into clear, instant answers. Enter your numbers and see exactly what a loan will cost — with visual charts and full payment breakdowns, not just a single figure. Calculators built for real decisions:

Monthly Payment — estimate your full housing payment from home price, down payment, rate, taxes, insurance, HOA, and PMI Loan Amount — find out how much you can borrow for a payment you can afford Amortization — see a year-by-year schedule of principal, interest, and remaining balance Refinance — compare your current loan to a new one and see your monthly and lifetime interest savings Rent vs Buy — weigh the true long-term cost of renting against buying, including appreciation and opportunity cost, and find your break-even year Fixed vs Adjustable — model an ARM's intro rate, adjustments, and caps against a fixed-rate loan to see when one overtakes the other

Designed to make it click:

Clear pie and line charts that show where your money goes Flip any calculator to a detailed amortization or comparison table Add extra principal payments and instantly see the impact Built-in glossary explaining every term, from PMI to break-even Save your default rates and values once — every calculator starts ready to go

Private and friendly:

No account, no sign-up, no personal data collected Fast, native, and easy to use Available in English, Spanish, and French

Crunch the numbers, compare your options, and walk into your next financial decision knowing exactly where you stand.