Free homeowner tools
Calculators and guides for the parts of your payment you can question.
Start with the question on your statement—or run the whole monthly mortgage check. Every calculator runs from the numbers you enter and does not require a bank login, name, or address.
Monthly mortgage and escrow check
Reconcile payment allocation, principal, interest, fees, suspense funds, and escrow activity.
Open toolMortgage escrow rules in plain English
Understand escrow choices, limits, annual analysis, timely payments, shortages, and error rights.
Open toolMortgage servicing rules checker
Choose an issue to see a plain-English federal rule summary, evidence needed, exceptions, and official source.
Open tool12-month escrow analysis checker
Project the real computation year, recurring bills, cushion, shortage, current deficiency, and surplus.
Open toolAnnual escrow statement review
Confirm statement dates, history, balance math, target, shortage or surplus treatment, and urgent events.
Open toolServicer letter generator
Prepare an editable Request for Information or Notice of Error using a confirmed designated address.
Open toolMortgage monitoring calendar
Track statements, taxes, insurance, PMI, annual analyses, and servicing transfers on this device.
Open toolPre-closing escrow decision guide
Compare required, optional, and unclear escrow setups, closing cash, reserves, and waiver costs.
Open toolBiweekly payment comparison
Compare true biweekly, withdrawal-plan, semimonthly, and equivalent extra-principal strategies.
Open toolEscrow problem checklist
Triage force-placed insurance, missing proof, unpaid taxes, and unexplained payment changes.
Open toolProperty-tax assessment review
Privately screen official values, local ratios, exemptions, property facts, and comparable assessments, then prepare a printable appeal kit.
Open toolNew-construction tax shock
Model a completed-home assessment, ongoing tax increase, and possible temporary catch-up.
Open toolConventional PMI removal planner
Estimate original-value thresholds and scheduled 80% and 78% dates.
Open toolEscrow shortage calculator
Compare how a shortage changes the payment over different repayment periods.
Open toolInsurance savings calculator
Translate an annual insurance quote into a possible monthly escrow change.
Open toolProperty-tax change calculator
See the monthly effect of a new annual property-tax amount.
Open toolRefinance break-even calculator
Compare principal and interest, closing costs, terms, and break-even timing.
Open toolEscrow surplus check planner
Compare a surplus check with tax and insurance increases you already know about.
Open toolHow to lower an escrow payment safely
A step-by-step guide to insurance, taxes, shortages, PMI, and refinancing.
Open toolWhy did my escrow go up?
Separate the continuing tax and insurance change from temporary shortage repayment.
Open toolWhy did a fixed-rate payment change?
Understand why fixed principal and interest does not freeze the total payment.
Open toolNot sure which tool fits?
Run the complete payment-change checker first. It separates taxes, insurance, and shortage repayment, then points you toward the most useful next step.
Check my paymentSee how every estimate is calculated
Review formulas, assumptions, limitations, testing, and the latest change history before relying on a result.
Read the methodology