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Calculators
Pick a tool and get your answer in seconds.
Mortgage Calculator
FHA and conventional loans with taxes, PMI, MIP, and HOA. All 50 states pre-filled. See exactly what makes up your monthly payment.
- FHA MIP auto-calculated
- All 50 state tax rates
- Extra payment savings
- Amortization table
Compound Interest Calculator
See how your savings or investments grow over time. Add monthly contributions, toggle inflation, and visualize growth year by year.
- Monthly contributions
- Inflation adjustment
- Rule of 72
- Year-by-year breakdown
Guides
Not sure where to start? These explain the decisions behind the numbers.
FHA vs Conventional Loan 2026
Side-by-side cost comparison with real dollar examples. Which loan saves you more?
FHA Loan Requirements 2026
Credit score, down payment, MIP costs, DTI limits, and 2026 loan limits explained.
How Much House Can I Afford?
Use the 28/36 rule to find your real homebuying budget. Includes salary-to-home-price table.
How Much House With an FHA Loan?
FHA-specific affordability guide with MIP impact, DTI limits, and a worked salary example.
Why HitCalc?
Free forever
No signup, no paywalls, no premium tiers. Every calculator, every time.
No hidden agendas
We are not a lender. We do not earn more if you pick a worse loan.
Explains the numbers
Every result tells you what it means — not just what it is.
Mortgage calculators by state
Get a more accurate estimate with your state's property tax rate pre-filled automatically.