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📉 Refinance Calculator 🏠 Mortgage Calculator 💰 Affordability ⚖️ Rent vs Buy 🏦 HELOC vs Cash-Out 📊 Home Equity Get Rate Alerts Free
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Your home finances,
finally made clear.

HomeMath gives every homeowner the tools to make smarter decisions — refinance, buy, borrow, or hold. Get instant honest answers with no jargon.

Should I Refinance? → Calculate My Payment
🔒 No login required ⚡ Instant results 🤖 AI advisor included 💰 Always free
Your Financial Toolkit
Every tool a homeowner needs

Each calculator gives you a plain-language verdict — not just numbers to figure out yourself.

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Most Popular
Refinance Calculator
Should you refinance? Get your exact break-even point, monthly savings, rate comparison, and a clear yes/no verdict with full amortization analysis.
90,000+ monthly searches: "should I refinance"
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High Traffic
Mortgage Calculator
Calculate your monthly payment, total interest, and full amortization schedule. See exactly how much you'll pay over the life of your loan.
200,000+ monthly searches: "mortgage calculator"
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Affordability Calculator
How much house can you actually afford? Get a realistic budget based on your income, debts, and down payment with the 28/36 rule built in.
180,000+ monthly searches: "how much house can I afford"
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High Intent
Rent vs Buy
Is buying actually worth it in your market? Full cost comparison including opportunity cost, equity buildup, and break-even timeline.
90,000+ monthly searches: "rent vs buy calculator"
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High Revenue
HELOC vs Cash-Out Refi
Need to access your equity? Side-by-side comparison of payments, total interest, risk, and which option saves you more.
40,000+ monthly searches: "HELOC vs cash-out refinance"
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Interactive
Home Equity Dashboard
Visualize your equity growth, ownership %, and available borrowing capacity. Know exactly what your home is worth to you today and in 10 years.
Home equity analysis & visualization
View My Equity→

Not just a calculator.
A decision platform.

Every tool on HomeMath gives you a plain-language verdict — not just numbers to figure out yourself. We tell you what the math actually means for your situation.

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Decision Engine
Every calculator outputs a clear recommendation — "Refinancing looks beneficial, break-even 22 months." No interpretation needed.
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Plain-Language Mode
"You own 34% of your home" instead of "LTV ratio is 66%." Every result is translated into language you can act on.
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AI Home Finance Advisor
Ask anything in plain English. Get a personalized answer based on your actual numbers from any calculator.
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Visual Results
Charts for equity growth, payoff timeline, and interest savings. See your financial future at a glance.
AI Home Finance Advisor

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Every page on HomeMath includes an AI advisor powered by Claude. Ask questions in plain English and get personalized answers based on your actual calculator inputs.

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HomeMath Advisor
AI-powered · Ask me anything
Hi! I'm your HomeMath advisor. What would you like to know about your home finances?
Should I use my home equity to pay off credit card debt?
Using a HELOC at ~9% to pay off cards at 20%+ can save significant interest — but you're converting unsecured debt to secured debt against your home. The math usually favors it if you have the discipline not to run the cards back up. Want me to run the specific numbers?
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