Payoff Logic

Financial calculators that show you the whole picture

Payoff Logic builds free, no-signup calculators for the money decisions that matter most — your mortgage, your loans, and your debt payoff plan. Every tool includes the full math: amortization schedules, taxes and insurance, and shareable, printable results.

  • 100% free, no account needed
  • Nothing you enter leaves your browser
  • Full amortization tables included

All calculators

All five launch tools are live — each built to show the complete math, verified against published reference examples.

Mortgage

  • Mortgage Calculator

    Estimate your full monthly payment — principal, interest, property taxes, insurance, PMI, and HOA — with a complete amortization schedule.

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  • Home Affordability Calculator

    How much house can you afford? Income, debts, and the 28/36 rule turned into a real price range.

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  • Extra Payment Mortgage Calculator

    What paying more each month (or one lump sum) does to your mortgage payoff date and interest.

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  • Biweekly Mortgage Calculator

    Half your payment every two weeks equals 13 payments a year — see the years and interest it removes.

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  • 15-Year Mortgage Calculator

    15 vs. 30 years side by side: payment difference, interest difference, and equity build.

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  • FHA Loan Calculator

    FHA payment with both MIP charges included — upfront 1.75% and the annual premium, with the 11-year rule.

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  • VA Loan Calculator

    VA payment with the correct funding fee for your down payment and usage — and no PMI.

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  • Mortgage Payoff Calculator

    Pay off your existing mortgage early: extra monthly payments, lump sums, and your new payoff date.

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Debt Payoff

Refinance

  • Refinance Calculator

    Find your break-even month and lifetime savings before you refinance.

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Auto

  • Auto Loan Calculator

    Estimate car payments including trade-in value and state sales tax.

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Why another calculator site?

Complete math, not teasers

Most calculators stop at a single monthly number. Ours break down principal, interest, taxes, insurance, PMI, and HOA — and show the full payoff schedule.

Private by design

Calculations run entirely in your browser. We never see, store, or sell the numbers you enter.

Sourced & transparent

Where we use reference data — like state property-tax rates — we cite the source so you can verify it yourself.

Educational purposes only — not financial advice. See our Terms of Use.