CALCURON Fast, focused online tools.

No Accounts • No Tracking • Zero Data Stored

Full Mortgage Risk & Affordability Simulator

Explore how much house you can comfortably afford with detailed amortization, PMI modeling, home value forecasts, debt-to-income ratios, and risk curves. Compare scenarios and see how different rates, terms, and risk settings change your picture.

Educational only · Not a loan offer or credit decision

Target home price

Down payment (%)

PMI usually applies when down payment < 20%.

Mortgage rate (APR %)

Term (years)

Property tax (% of value per year)

Homeowners insurance (per year)

PMI rate (% of loan per year)

Home value growth (% per year)

Risk profile

Front-end DTI target ≤ 28%, back-end ≤ 36%.

Gross monthly income

Other monthly debts

Car loans, cards, student loans, etc.

Monthly payment & DTI

Loan amount

Base principal & interest

Est. taxes + insurance

PMI (if applicable)

Total housing payment

Front-end DTI (housing / income)

Back-end DTI (housing + debts / income)

DTI vs risk thresholds

–

PMI applies until your loan-to-value (LTV) is estimated to drop below 80%. This tool estimates how many years that may take under your assumptions.

Amortization & home value forecast

Year

Principal vs interest (annual)

Balance

Total interest over life of loan

Est. home value after 10 years

Est. equity after 10 years

Loan Comparison & Refinance Optimizer

Compare two loan structures side by side and estimate how long it takes to break even when paying higher closing costs for a better rate. Use the refinance section to evaluate replacing an existing mortgage.

Scenario A (current / base)

Loan amount

Rate (APR %)

Term (years)

Scenario B (alternative)

Loan amount

Rate (APR %)

Term (years)

Closing costs A

Closing costs B

Comparison summary

Monthly payment A / B

$0 / $0

Total interest A / B (full term)

$0 / $0

Monthly savings (B vs A)

Extra upfront cost (B vs A)

Break-even time on closing costs

–

Break-even time shows how long it takes for lower payments under Scenario B to recover the higher closing costs compared with Scenario A.

Refinance Optimizer

Estimate potential savings from refinancing your existing mortgage into a new one.

Current loan balance

Current rate (APR %)

Years remaining

New rate (APR %)

New term (years)

Refinance closing costs

Refinance summary

Current monthly payment

New monthly payment

Monthly savings (if positive)

Total interest remaining (current vs refi)

$0 / $0

Break-even time on refi costs

–

A refi may still be attractive even if the monthly savings are modest, if total interest over the life of the new loan is significantly lower. Always consider how extending or shortening your term affects your long-run goals.

Important notes

This simulator is for exploration only and does not constitute financial, tax, or lending advice.
Actual underwriting guidelines vary by lender, product type, and credit profile.
PMI rules, tax treatment, insurance, and closing costs differ by region and institution.
Always verify numbers with your lender and consider consulting a qualified professional before making decisions.

← Back to Calcuron Home Page