Mortgage Calculator

Mortgage + Rent Calculator (ZIP-based) + Dividend Income + Margin

Enter a ZIP code to auto-fill location and generate a rate/rent estimate (you can override). Add a dividend portfolio (optionally levered with margin) to see how much it can offset your mortgage or rent, and how much faster extra cashflow could pay down principal.

ZIP → State/City

Mortgage payment + payoff model

Dividend + margin cashflow offset

Note: ZIP estimates are heuristic

1) Location (ZIP) + Mode

Auto-estimates → override any field

ZIP code

Compare

City

State

Estimate tier

Show advanced inputs Taxes/insurance/HOA, credit score, rent detail, etc.

Saved locally

2) Mortgage Inputs

Monthly payment = P&I + taxes + insurance + HOA

Home price

Down payment (%)

Term (years)

Interest rate (APR %)

Extra principal / mo

3) Rent Inputs

Monthly rent estimate → override

Rent ($/mo)

Renter’s insurance ($/mo)

4) Dividend Portfolio (offset)

Use income to pay mortgage/rent

Portfolio value

Yield (%/yr)

Set-aside for taxes (%)

ZIP lookup uses a free ZIP API to infer city/state. Estimates then use a state-level heuristic. If ZIP lookup fails, just type your state and enter your own rate/rent.

Estimated Results

—

Status: Ready • Mode: Mortgage

Mortgage (All-in) / mo

$—

P&I + tax + insurance + HOA

Rent (All-in) / mo

$—

Rent + renter’s insurance

Net Dividend Cashflow / mo

$—

After tax set-aside + margin interest

Net Cost After Dividends / mo

$—

Chosen mode (or comparison)

Loan amount$—

P&I (monthly)$—

Taxes + insurance + HOA (monthly)$—

Dividends (gross / mo)$—

Tax set-aside (mo)$—

Margin interest (mo)$—

Payoff estimate (w/ extra)—

Interest saved (w/ extra)$—

Recommendation snapshot Heuristic

Run a calculation to see a summary recommendation.

Important: Educational use only. Mortgage rates, rents, taxes, insurance, and margin rates vary by lender, borrower, property type, and market. ZIP-based estimates here are approximate heuristics meant for planning, not quoting.