John Bramley Calculators
Run the mortgage numbers in one place.
Use one calculator suite for monthly payment, affordability, refinance break-even, and extra-payment scenarios. These are planning estimates, not an approval, quote, or locked loan terms.
Home Affordability
Estimate a purchase price from income, monthly debts, cash available, and carrying-cost assumptions.
This is a simplified estimate. Actual qualifying ratios and allowable income or debts vary by loan program, borrower, property, credit profile, and underwriting.
Refinance Break-Even
Compare your current principal and interest payment with a possible new loan and estimate how long monthly savings could take to offset closing costs.
Taxes, insurance, escrow changes, financed costs, points, mortgage insurance, and changes in loan balance can materially change the comparison.
Extra Principal Payment
See how a consistent extra principal payment could change payoff time and total interest.
Extra payments should be applied to principal as intended. Check your loan documents and servicer procedures before relying on an accelerated payoff strategy.
Monthly Mortgage Payment
Estimate principal, interest, taxes, insurance, HOA dues, and mortgage insurance in one place.
For planning purposes only. Actual payments vary by loan program, property, borrower profile, taxes, insurance, mortgage insurance, HOA dues, and other costs.