Watcharu Finance
Free, private mortgage and loan calculators. Every calculation runs in your browser — nothing is uploaded or stored, and every result has a shareable link.
Mortgage rates today: 30-year fixed averaging 7.32%, 15-year averaging 6.68% (Freddie Mac, week of October 22, 2026). Try the mortgage calculator →
Mortgage & home
- Mortgage payment calculator
- Home Affordability Calculator
- Mortgage Refinance Calculator
- Mortgage Payoff Calculator
- Amortization Schedule Calculator
- Biweekly Mortgage Calculator
- Rent vs. Buy Calculator
- Down Payment Calculator
- PMI Calculator
- Mortgage Points Calculator
- Closing Cost Calculator
- Property Tax Calculator
- Debt-to-Income Ratio Calculator
- APR Calculator
Loans & debt
- Auto Loan Calculator
- Personal Loan Calculator
- Student Loan Calculator
- Student Loan Consolidation Calculator
- Parent PLUS Loan Calculator
- Credit Card Payoff Calculator
- Debt Snowball & Avalanche Calculator
Saving & investing
- Compound Interest Calculator
- Retirement Calculator
- 401(k) Calculator
- Savings Goal Calculator
- College Savings Calculator
- CD Calculator
- Emergency Fund Calculator
- Inflation Calculator
Income & taxes
Calculators by state
Pick your state for pre-filled tax rates and local figures:
Mortgage calculator
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Auto loan calculator
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Paycheck calculator
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Property tax calculator
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Rates, metros & amounts
- Today's mortgage rates & history
- Mortgage & affordability calculators by metro
- Home affordability calculator by state
- Mortgage payment by loan amount
- Car loan payment by amount
- Salary after tax by amount
Guides & learning
Plain-language explainers, head-to-head comparisons, and a glossary: