Mortgage Comparison Calculator

Compare two fixed-rate mortgage offers side by side and see which one costs less over the time you actually expect to keep the loan.

Loan amount same principal for both offers

How long will you keep this mortgage?Use your likely sell or refinance horizon.

YearsMonths

A Offer A

Interest rate note rate

Loan term years

Upfront loan costs fees + points

B Offer B

Interest rate note rate

Loan term years

Upfront loan costs fees + points

Tip: use the mortgage note rate for payment math. Put discount points and lender/origination costs in upfront costs so a lower rate with higher fees is compared fairly.

Best fit for your holding period

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Enter two offers to compare them.

Monthly P&I difference—

Cost crossover—

Lifetime cost difference—

Comparison	Offer A	Offer B

Holding-period cost = interest paid during that period + entered upfront loan costs. Principal paydown is shown separately because it becomes home equity rather than borrowing cost.

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.

Mortgage Comparison Calculator: Compare Two Loans

Compare two mortgages side by side by rate, term, and upfront costs. See payment, holding-period cost, principal paid, remaining balance, lifetime interest, and cost crossover.

Breakeven horizon months

Core borrowing, saving & investing workflows

Start with the broad calculator that matches the decision, then move to a specialist only when the loan structure, cash flow, tax treatment, debt strategy or savings goal genuinely changes.

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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.