Personal Finance Toolkit

Home & Mortgage

Navigate the largest financial decision most people ever make.

Should you refinance? Find out here

See how extra payments reduce your loan term

Calculate savings from paying off loans early

Interactive timeline: click any point from 1971 to today and see what a home would cost at that rate vs. now.

Break-even analysis, rate considerations, and the hidden costs that determine whether refinancing will actually save you money.

How additional principal payments accelerate your payoff timeline and the math behind different extra payment strategies.

30-year, 15-year, ARM averages by credit score

What's deductible, limits, phase-outs

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