Tools
Use this simple mortgage calculator to estimate your monthly principal and interest payment.
TrueGravity Budget
Build a monthly plan, organize spending categories, and track savings and debt goals. Your budget stays privately on your device.
Mortgage Payment Calculator
This estimate excludes property taxes, homeowners insurance, mortgage insurance (PMI), HOA dues, and closing costs. For educational purposes only; it is not a loan offer or financial advice.
How the estimate works
The calculator uses the standard fixed-rate mortgage formula. Change any input to instantly compare payment scenarios. Your actual payment may differ based on taxes, insurance, lender fees, credit profile, and loan program.
Debt-to-Income (DTI) Calculator
See how much of your gross monthly income goes toward housing and recurring debt payments.
Calculate Your DTI
Include minimum payments for credit cards, auto loans, student loans, personal loans, alimony, and other recurring obligations. Do not include groceries, utilities, or ordinary living expenses.
DTI guidelines vary by lender, loan program, credit profile, assets, and other factors. This educational estimate is not an approval or lending decision.
How DTI is calculated
Housing DTI compares the proposed housing payment with gross monthly income. Total DTI adds recurring monthly debts to the housing payment before dividing by gross monthly income.