Mortgage Calculator
$7
This mortgage calculator was designed to take the guesswork out of buying or building your next home. It projects 10 years ahead (at a 3% inflation rate), lets you plug in your savings goals, and shows you exactly how different timelines and interest rates impact your affordability.
Whether you’re planning your forever home or trying to understand what you can comfortably borrow, this tool helps you reverse-engineer your numbers with clarity.
This guide is for you if you want to:
Reverse-engineer your ideal monthly mortgage payment for a 30 year, 20 year, or 15 year mortgage
See how three different interest rates change the total you can borrow
Factor in your current home equity, budget, and long-term savings goals
Understand when you can afford your next home—not just how much
Visualize your financial picture in one simple, intuitive dashboard
We used this exact approach to plan our own custom home build—not just to know what we could afford, but to understand when we could afford it based on the money we planned to save.
My husband originally built a simple version of this in 2022 when we first started dreaming about our forever home. In 2025, I rebuilt it into a clearer, more powerful, easy-to-use template…and now I get to share it with you!!
The goal is simple:
Start with the numbers. Know the monthly payment that truly fits your life and your budget. When you have that clarity, everything else becomes easier, and your dream home stops feeling far away.