FinanceRateCalc

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Educational purposes only — not financial advice. All tools are free and for informational use only.

Free Tools · Licensed Banking Professional · 23 Years Experience

Your Home. Your Debt. Your Numbers.

Free tools built by a banker — so you make the right call before it's too late. Calculate, compare, and protect what you've worked for.

⏱ Every month you wait to buy

$0 in home equity and appreciation — gone.

See My Real Cost →

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Years of Banking

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Explore Tools ↓ 🏠 Buy vs Rent Calculator → 🧩 Free Chrome Extension →

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Free Tools for
Every Decision

🆕 World's First · Anonymous

Mortgage Rejection
Database

Banks won't tell you why you were denied. We built the first public database of real rejection stories — anonymous, real patterns, real solutions.

See the Database →

🔥 Viral · Generational Data · 20 Cities

American Dream
Calculator

Your dad bought his house when it cost 2× his salary. You're looking at 6×. See how many years each generation needed to save. The gap will shock you.

See My Generational Gap →

🔥 Most Viral · SEO #1

Bank Rejection Engine

Why would a bank deny you? Find out before you apply. 5 lender types, personalized action plan.

Check My Application →

🆕 Zillow & Redfin

Real Cost Calculator

Paste any listing URL. Get the real all-in monthly cost, House Poor Score, 10-year projection.

Analyze a Listing →

🚨 Instant Assessment

Is Your Home at Risk?

Answer 5 questions. Get a Green, Yellow, or Red assessment — and a banker's step-by-step action plan.

🟢 Safe 🟡 Warning 🔴 Act Now

Take the Assessment →

⭐ Most Unique · 25 Cities

Should You Buy or Rent?

See your financial future in 10, 20, or 30 years with real inflation, property appreciation, and investment return data.

25 Cities Worldwide Real Market Data 10/20/30 Year Horizon

Try the Calculator

🇺🇸 New York 🇬🇧 London 🇩🇪 Berlin 🇦🇪 Dubai 🇸🇬 Singapore 🇹🇷 Istanbul 🇦🇺 Sydney + 18 more

Mortgage Calculator

Real P&I + taxes + insurance + PMI. Not just the payment — the full picture.

PITIAmortizationPMI

👉 ✓ P&I + tax + insurance + PMI

👉 ✓ Full amortization schedule

👉 ✓ Extra payment simulator

Open Calculator →

🔥 Viral Quiz

Are You House Poor?

1 in 4 Americans is house poor. Are you one of them? Find out in 60 seconds.

60 SecondsScoreAction Plan

Take the Quiz →

👉 ✓ 60-second quiz

👉 ✓ House Poor Score

👉 ✓ Step-by-step fix plan

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Salary by State

What salary do you need to buy a home in your state? 11 states now require $100K+.

All 50 StatesInteractive Map2026 Data

See Your State →

👉 ✓ All 50 states covered

👉 ✓ Interactive D3 map

👉 ✓ 11 states need $100K+

See Your State →

Historical Data

Mortgage Time Machine

What if you bought in 2015? 2019? See real historical prices and how much you gained or missed.

2015–2023Real RatesShare Card

Travel Back →

👉 ✓ What if you bought in 2015?

👉 ✓ Real historical prices & rates

👉 ✓ Shareable result card

Travel Back →

City Comparison

Zip Code Wealth Gap

Same $80K salary. Austin vs Detroit. The 30-year wealth difference can exceed $500K.

20+ Cities30-YearShare Card

See the Gap →

👉 ✓ Same salary, different city

👉 ✓ 30-year wealth projection

👉 ✓ Austin vs Detroit gap

See the Gap →

Compound Interest

Watch your money multiply year by year. Real savings rates from 18 countries.

18 CountriesGrowth CurveMilestones

See the Growth →

👉 ✓ 18 countries, real rates

👉 ✓ Year-by-year growth chart

👉 ✓ Milestone tracker

See the Growth →

Is Your Rate Fair?

Loan Offer Analyzer

Is your bank's offer fair? See if you're being overcharged and how much you could save.

Rate CheckAPRHidden Fees

Analyze My Offer →

Debt Consolidation

Should you consolidate? See your break-even and total savings in seconds.

Break-EvenSavingsStrategy

Run the Math →

Couples Calculator

Two Salaries Calculator

Combined income buying power. See if two salaries can afford your target home.

Combined DTIAffordabilityScenarios

Calculate Together →

Business Loan Calculator

SBA, term loans, lines of credit. Real payment schedules for your business.

SBATerm LoanLOC

Loan Comparator

Compare up to 3 bank offers side by side. Find the true best deal.

3 OffersTrue CostAPR

Compare Now →

Cost of Waiting

Every year you wait costs you. See exactly how much in equity and appreciation you're losing.

Equity LostAppreciationReal Numbers

See the Cost →

🛡️ Sky Blue Credit · Recommended

Fix Your Credit Score

A 620 vs 740 score = $47,000 difference on a $400K mortgage. See how to fix it — and whether Sky Blue Credit can help.

620 vs 740 Analysis Action Plan Sky Blue Discount

Fix My Credit →

FREE MORTGAGE CALCULATOR · BUY VS RENT · 25 CITIES · SALARY BY STATE · ALL 50 STATES · MORTGAGE TIME MACHINE · ZIP CODE WEALTH GAP · COMPOUND INTEREST · ARE YOU HOUSE POOR? · CHROME EXTENSION FOR ZILLOW & REDFIN · BUILT BY A LICENSED BANKER · 23 YEARS · FREE · NO SIGN-UP · NO ADS · FREE MORTGAGE CALCULATOR · BUY VS RENT · 25 CITIES · SALARY BY STATE · ALL 50 STATES · MORTGAGE TIME MACHINE · ZIP CODE WEALTH GAP · COMPOUND INTEREST · ARE YOU HOUSE POOR? · CHROME EXTENSION FOR ZILLOW & REDFIN · BUILT BY A LICENSED BANKER · 23 YEARS · FREE · NO SIGN-UP · NO ADS ·