Finance calculators · no signup · free
The money decisions that hinge on a single number.
PMI drops at one LTV. A loan qualifies at one DSCR. A refinance pays off at one break-even month. A portfolio compounds to one future value. CrunchFigure builds a precise calculator for each of these bright-line moments — and shows the full math behind every result.
Calculators
For Home Buyers
Home Affordability Calculator
Work backward from your income, debts, and down payment to the highest home price that keeps you under a lender's debt-to-income ceiling.
Rent vs. Buy Calculator
Find the exact year buying starts beating renting and investing the difference, based on your numbers.
Mortgage Points Break-Even
See how long it takes a rate buy-down to repay the points you paid upfront, plus the lifetime interest saved if you keep the loan.
For Homeowners
PMI Removal Date Calculator
Find the exact month your loan balance hits 80% and 78% of your home's original value — the points where you can request, then automatically lose, private mortgage insurance.
Mortgage Recast Calculator
See how a lump-sum principal payment plus a re-amortization lowers your monthly payment — and how much interest it saves over the life of the loan.
HELOC vs Cash-Out Refinance
Compare the true cost of pulling equity through a HELOC (home equity line of credit) versus a cash-out refinance, over the period you actually plan to hold the debt — including closing costs, fees, and interest.
Refinance Break-Even Calculator
Find the month your lower payments repay the refinance closing costs — and whether you'll stay in the home long enough to come out ahead.
Extra Payment Payoff Calculator
See how many years a little extra principal each month shaves off your mortgage and how much interest it saves over the life of the loan.
For Real Estate Investors
For Growing Wealth
Investment Growth Calculator
Project how a starting amount plus monthly contributions could grow at a given rate of return — and see how much of the total is compounding, not your own money.
Bitcoin Investment Calculator
Pick a past date and an amount, and see what it would be worth today using real historical Bitcoin prices — not an assumed rate.
Why a calculator for one specific number?
Most financial calculators try to answer everything, and end up answering nothing precisely. CrunchFigure takes the opposite approach. Each tool here exists because a real decision turns on a single threshold, and getting that threshold wrong costs real money — months of unnecessary mortgage insurance, a refinance that never breaks even, a rental loan that gets declined at underwriting.
Every calculator does three things. It asks only for the inputs that actually move the answer. It shows the result as a clear figure rather than a wall of numbers. And it explains the formula underneath, so you can check the logic against your own loan documents instead of trusting a black box.
How to use these tools well
Pull the exact figures from your statements before you start — your original loan amount, note rate, and the property value on your appraisal or closing disclosure. Estimates produce estimates. The closer your inputs match the documents your lender used, the closer these results will track what your servicer actually does.
These calculators model the standard math that lenders and servicers follow, but every loan has its own contract. Treat the output as a well-reasoned starting point for a conversation with your servicer or loan officer, not as a final ruling on your specific account.
Frequently asked questions
Are these calculators really free to use?
Yes. Every calculator on CrunchFigure is free, runs entirely in your browser, and doesn't require an account or email to see a result.
Do you store or sell my financial data?
No. The numbers you enter are processed on your own device and are never sent to or stored on our servers. We don't collect the loan details you type into a calculator.
How accurate are CrunchFigure's calculators?
Each calculator uses the same standard amortization and qualification formulas that lenders and servicers use, and we publish the formula on every tool page so you can verify it against your own documents. Treat results as a precise estimate based on your inputs, not a guarantee — your actual loan may have terms specific to your contract.
Which calculator should I use first?
Start with whichever bright-line question matches your situation: PMI Removal Date if you have a conventional loan with less than 20% equity, Home Affordability if you're shopping for a home, or Refinance Break-Even and Mortgage Points if you're deciding whether to refinance or buy down your rate.
Is CrunchFigure a lender or broker?
No. CrunchFigure is an educational resource — we don't originate loans, take referral fees, or sell your information to lenders. For a decision specific to your loan, the right next step is a conversation with your servicer, loan officer, or a licensed professional.
Do these calculators account for taxes?
Generally no — most calculators model the underlying loan math (payments, interest, ratios) and leave tax effects out, since those depend on your personal situation. Where relevant, we note this in the calculator's disclaimer and suggest consulting a tax professional.
Why does CrunchFigure only have a few calculators?
We'd rather build one tool that gets a specific number exactly right than many that get everything roughly right. Each calculator here exists because it answers a real bright-line question — we're adding more only when we're confident we can do the same for a new one.