See the true cost of your mortgage in 10 seconds

Clear payments and long-term costs with FRED rates, documented formulas, and explainers. No tracking.

Calculate mortgageRefinanceGuides

20% down, 30-year fixed — live P&I

Monthly P&I
$2,215.62
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30Y MORTGAGE
7.40%
2026-10-15
10Y TREASURY
5.10%
2026-10-15
FED FUNDS (DFF)
3.88%
2026-10-15
Source: Federal Reserve (FRED)
Methodology & sources · No tracking
Mortgage
Full amortization and monthly costs
Sample: $2,215.62 / mo P&I
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Refinance
Break-even and lifetime savings
Sample: $264.79 / mo saved
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Affordability
Price cap from 28/36 DTI
Sample: up to $470,677.19
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Payoff
Extra principal versus baseline
Sample: $97,618.12 interest saved
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Loan
Auto and personal loan payments
Sample: $586.98 / mo
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Retirement
Growth with contributions and raises
Sample: $894,312.55 at 30 years
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Transparent math and public rates (FRED). See how we calculate · guides · not financial advice.