Use realistic assumptions
Use a home price, down payment, loan term, and interest rate that reflect a scenario you could realistically consider.
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Credalye tools
Run the numbers with
a clear question.
A calculator is most useful when each tool answers one specific question. Credalye separates payment, loan structure, and refinance scenarios so the result is easier to understand.
Current status
The calculators are now available.
CREDALYE / SIM
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Available
Tools by
decision.
Estimating principal and interest, comparing fixed-rate and adjustable-rate structures, and evaluating a refinance are different decisions. Keeping them separate makes each result easier to interpret.
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Available
Mortgage payment calculator
Estimate principal and interest, loan amount, and the effect of your down payment.
Home price & down paymentLoan termInterest rate
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Available
Fixed-rate vs. ARM
Compare payment stability with an adjustable-rate scenario using the same loan amount and term.
Initial paymentRate-change riskARM scenario
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Available
Mortgage refinance calculator
Compare your current mortgage with a new rate, term, and estimated closing costs.
Current P&INew P&IBreak-even estimate
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Before you calculate
A result can guide you;
it is not a mortgage offer.
Change one variable at a time
That makes it easier to see what is actually driving the payment, total interest, or refinance result.
Put the estimate in context
Principal and interest are only part of the housing cost. Property taxes, homeowners insurance, mortgage insurance, HOA dues, closing costs, and lender-specific terms can materially change the real result.
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While you plan
View the guides ↗
Explore the guides.
Use the guides to understand preapproval, down payment, APR, closing costs, underwriting, and the documents behind a real mortgage decision.