Welcome to MoTools
A comprehensive suite of mortgage calculation tools to help you make informed decisions about home financing.
All calculations are performed in real-time and your data stays private in your browser.
Mortgage Calculator
Calculate monthly payments, total interest, and see a complete breakdown of your mortgage costs including PMI, taxes, and insurance.
Affordability Calculator
Determine how much house you can afford based on your income, debts, and down payment using multiple calculation methods.
Refinance Calculator
Compare your current mortgage with a new loan to see potential savings and calculate your break-even point.
Rent vs. Buy
Compare the long-term costs of renting versus buying to make an informed decision about homeownership.
Amortization Schedule
View a detailed month-by-month breakdown of your loan payments showing principal and interest over time.
Educational Purpose
These calculators are provided for educational and informational purposes only. While we strive for accuracy, the results should not be considered financial advice. Please consult with a qualified financial advisor or mortgage professional for personalized guidance on your specific situation.