Calculators for points, refinancing, and 15 versus 30, with the arithmetic shown.
Twelve tools: the break-even on a buydown, the month a refinance pays for itself, the 15-year against the 30-year, and paying the loan down against investing. Each opens in a small window on your site, with its sources and the date it was reviewed, in plain English. Free to place, nothing to maintain, no form. Each ends by telling the reader to talk with a professional who knows their whole situation.
All 12 tools
Your house and your mortgage
Should You Buy Points? The Break-Even on a Rate Buydown (opens in a new window)
Shows the month a rate buydown has paid for itself, what it earns if you keep the loan as long as you expect, and whether a seller credit toward points beats the same dollars off the price.
Refinance Break-Even: When the New Loan Pays for Itself (opens in a new window)
Shows the month a new mortgage has paid for its closing costs, counted two ways, and whether you come out ahead for as long as you plan to keep the home.
15-Year or 30-Year Mortgage? (opens in a new window)
Runs a 15-year and a 30-year mortgage side by side, with the same cash spent on both and the difference invested, and shows where each stands at year 15 and year 30.
Sell or Keep the House? (opens in a new window)
Compares staying in your house with selling it and renting, year by year, at the costs and returns you expect.
Pay Off the Mortgage or Invest? (opens in a new window)
Sends the same extra dollars each month down two paths, to the mortgage or into an investment, and shows where each stands when the mortgage would have ended.
Home Sale Exclusion for a Surviving Spouse (opens in a new window)
Shows how much profit a surviving spouse can sell the house for without tax, and how the answer changes after two years.
Home Sale Exclusion After Renting It Out (opens in a new window)
Shows how much of the profit on your home is still tax-free when the home was rented out before you lived in it.
Illinois Senior Property Tax Exemptions (opens in a new window)
Shows which Illinois property tax exemptions you qualify for and what each saves at your local tax rate.
Illinois Real Estate Transfer Tax Calculator (opens in a new window)
Shows the state, county, and municipal transfer taxes on an Illinois home sale, and which side pays each, for any Illinois town.
Is Your Home Underinsured? The 80 Percent Rule (opens in a new window)
Checks your dwelling coverage against the cost to rebuild and shows what the policy would pay on a loss when the coverage falls short.
Cost of Living Estimator by ZIP Code (opens in a new window)
Estimates what a ZIP code costs a household each month or year, in dollars, and the pre-tax income it takes; with your income, what is left and how it compares to the median; optionally against a second ZIP.
Divorce
The House or the IRA? After-Tax Value in a Divorce (opens in a new window)
Compares what the house and the retirement account are each worth after tax, when a divorce trades one against the other.
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Change the intro to your own words if you like.
- 1Open Posts, then Add New, and give the post a title.
- 2Add a Custom HTML block (type /html). In the classic editor, use the Code tab.
- 3Paste, preview, publish. Do this as an administrator.
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All 12 tools are included. Change which ones
Your house and your mortgage
Divorce
Why firms put these on their sites
- It ends with you
- Every tool closes by telling the reader to talk with a professional who knows their whole situation. The reader is on your site, so the next step is your door.
- Something to do, not just read
- A visitor who runs their own numbers stays longer than one who reads, and the number they get is the question they bring to you. Every figure traces to a statute, regulation, or agency release, and when the law moves, it changes here.
- In plain words
- Every tool opens with a plain-English line on what it does and where it stops, so visitors use it without help and know its limits.
Built by Joshua Mangoubi, CFA, MBA. Joshua is a financial adviser who likes building things that help people think clearly about money. We hope these are useful to you and your clients. The tools are educational estimates from primary sources, not advice. Corrections are welcome through the contact page.
Terms. Cite any page, quote any figure with the year attached, or use the links above with the attribution left as it is; add nofollow or any other attribute to the links if you like. No reciprocal link, ever. All 19 professional shelves.