United States tools

Free financial calculators for decisions that affect the whole plan.

Use one calculator to answer one question. Use PANZE when you need to see how home buying, cashflow, taxes, assets, kids, and retirement interact year by year.

Home planning

Mortgage Calculator

Estimate your monthly mortgage payment, property tax, insurance, PMI, cash to close, and total interest with realistic US assumptions.

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Home Affordability

See how much house you can realistically afford in two views: a conservative 28/36 number and a stretched 31/43 FHA-friendly number, with the math shown for both.

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What standalone tools miss

A mortgage is not just a payment. It changes the whole household timeline.

PANZE connects home buying with emergency funds, retirement, kids, education, insurance, taxes, and cashflow year by year. The free calculator gives you one clean answer. The app helps you understand the tradeoff.

Plan the whole picture with Penny.

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