By Meraj Uddin Provat · Last reviewed May 23, 2026 · Editorial Standards
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All 40+ Calculators
Every CalcCottage tool in one place — home buying, mortgages, owning & investing, and home energy. 2026 data, instant results, mobile-friendly.
Home Buying & Affordability
Credit Card Minimum Payment Calculator →The real cost of paying only the minimum.Home Sale Net Proceeds Calculator →Cash you walk away with after selling.Student Loan Payoff Calculator →Payoff date, interest, and what extra saves.Emergency Fund Calculator →Size your safety net and see when you will reach it.50/30/20 Budget Calculator →Needs/wants/savings split vs the 50/30/20 target.Debt Payoff Calculator →Months to zero, total interest, and the effect of extra payments.Mortgage Payment Calculator →Full monthly PITI + PMI, total interest, payoff date.Home Affordability Calculator →How much house you can afford — 3 DTI scenarios.Closing Cost Calculator by State →Buyer fees, transfer tax, title — all 50 states.Down Payment Savings Calculator →How long to save your down payment, with growth.Debt-to-Income (DTI) Calculator →Front + back-end DTI vs FHA/VA/conventional limits.Rent vs Buy Calculator →Break-even year, total cost, appreciation modeled.FHA vs Conventional Calculator →Payment, MIP/PMI, lifetime cost compared.VA Loan Calculator →Funding fee, $0 down, no PMI — full payment.
Mortgage & Refinance
Mortgage Recast Calculator →Lump sum, same rate and term, lower payment.Amortization Schedule Calculator →Month-by-month principal vs interest + extra payments.Mortgage Payoff (Extra Principal) →Cut years & interest with extra monthly principal.Biweekly Mortgage Calculator →Monthly vs biweekly — interest saved, years sooner.15-Year vs 30-Year Mortgage →Payment vs lifetime-interest trade-off.Refinance Break-Even Calculator →Months to recoup refi closing costs.PMI Removal Calculator →When PMI drops off — 78%/80%/appreciation routes.HELOC vs Cash-Out Refinance →Compare payments, rates, fees, total cost.
Owning & Investing
CD & Savings Calculator →What a CD or high-yield savings grows to.Savings Goal Calculator →When you hit a goal and the monthly to get there.Roth vs Traditional Calculator →After-tax comparison decided by your tax rates.Net Worth Calculator →Assets minus liabilities, with asset mix & debt ratio.Retirement Calculator →Project your nest egg and the income it can pay.Compound Interest Calculator →Future value of savings plus monthly deposits over time.Property Tax Calculator by State →Annual + monthly tax with local effective rates.Home Renovation ROI Calculator →Project cost vs resale value & payback %.Cap Rate & Cash-on-Cash Calculator →Rental returns: cap rate, CoC, DSCR, verdict.
Home Energy
Solar Payback Calculator by State →Cost after credits, savings, payback window.Solar Panel Sizing Calculator →How many panels & kW you need from your bill.EV vs Gas Total Cost Calculator →Fuel, charging, maintenance, incentives, resale.Heat Pump vs Gas Furnace →Lifetime cost vs gas with rebates & state rates.Insulation ROI Calculator →Energy savings, 25C credit, climate-zone payback.
Auto & Transportation
Car Affordability Calculator →How much car your income actually supports.Auto Refinance Calculator →Real savings from refinancing a car loan, with break-even.Car Lease Payment Calculator →Monthly payment from cap cost, residual and money factor.Lease vs Buy a Car Calculator →True net cost of leasing vs buying over the same period.Auto Loan Calculator →Real car payment with tax, fees, trade-in & negative equity.EV vs Gas Total Cost →Fuel, charging, maintenance, incentives, resale.
Guides & Comparisons
Plain-English explainers and side-by-side comparisons that go with the calculators above.
Home Buying Guides
Why Your Property Tax Went Up →Assessment up, rate cut, bill higher - the levy math.Rent vs Buy: The Break-Even Year →How many years until buying actually wins.How Much House Can I Afford? →DTI limits, PITI, and three real scenarios.Affording a Home on $80k–$100k →What those salaries actually buy in 2026.First-Time Buyer Costs →Every upfront cost, itemised.FHA vs VA vs Conventional →Which loan type actually costs less.
Mortgage & Refinance Guides
When to Refinance →Break-even math and the practical rules.15-Year vs 30-Year Mortgage →Payment gap vs lifetime interest saved.ARM vs Fixed-Rate Mortgage →When an adjustable rate is worth the risk.Is a Biweekly Mortgage Worth It? →Real interest saved and years shaved.Extra Mortgage Payments →What $200 a month actually does.Pay Off Early vs Invest →Your rate versus expected returns.Recast vs Refinance →Lower payment or lower rate.How to Remove PMI →The 80% rule and the appraisal shortcut.Getting Rid of PMI: 4 Ways →Ranked by speed and total savings.VA Funding Fee Explained →2026 tiers, exemptions, financing it.
Home Equity & Selling
Home Energy Guides
Auto, Debt & Savings
Lease vs Buy a Car →Leasing wins for 3 years, then loses for good.How Much Car Can You Afford? →Payment, insurance, and total cost.Should You Refinance Your Car? →When a lower rate really saves money.The Minimum Payment Trap →What minimums actually cost you.Pay Off Student Loans Faster →Strategies that shorten the timeline.CDs vs High-Yield Savings →Which holds your cash better in 2026.
Investing
Mortgage Terms Explained
What Is PMI? →Private mortgage insurance, plainly.What Is DTI? →Debt-to-income, and what lenders allow.What Is PITI? →The four parts of a mortgage payment.What Is LTV? →Loan-to-value and why it decides PMI.What Is Escrow? →Why your payment changes each year.What Is Cap Rate? →The core rental-property yield metric.