Mortgage Comparison Calculator

Compare payment, lifetime interest, upfront costs, remaining balance, and a chosen holding-period view for two fixed-rate mortgage options.

Option ALoan amount

Rate (%)

Term years

Upfront costs

Option BLoan amount

Rate (%)

Term years

Upfront costs

Holding-period comparison (months)

—Option A payment

—Option B payment

—B − A payment

—Option A total interest

—Option B total interest

—Holding-period cash difference

—Compare payment, total modeled interest, and entered upfront costs rather than using rate alone.

Compare two mortgage scenarios

Enter the amount, fixed rate, term, and upfront costs for two options. The tool compares monthly principal-and-interest, lifetime modeled interest, entered upfront costs, and cash paid over a chosen holding period.

Comparison boundary

Taxes, insurance, PMI, property appreciation, refinancing, tax treatment, and transaction-specific fees are not inferred. Add only costs that are meaningfully comparable between the two options.