Install MuneyWise
Add to your home screen for quick access
MuneyWise
Free Financial Calculators for Smarter Money Decisions
Make your money make sense.
Free financial calculators, market insights, and long-term forecasts for smarter money decisions.
Market Pulse
The housing market, at a glance.
Last refreshed Sep 29, 2026, 6:14 AM
Mortgage rates — last 12 months
- 30-yr (7.03%)
- 15-yr (6.42%)
30-year mortgage
7.03%
+0.08% vs prior15-year mortgage
6.42%
+0.16% vs prior10-year Treasury
5.17%
UnchangedWhat this means for your money
- Mortgage rates ↑Monthly payments may be higher than recent weeks.
- Home inventory ↓Tighter supply can mean more competition among buyers.
- Home prices ↑Existing homeowners continue gaining equity nationally.
Your money, organized
Four financial pillars
Housing, equity, investing, and retirement — each with dedicated calculators and guides.
Housing
Buy, finance, refinance, and understand the long-term value of your home.
Investing
Grow your money, analyze investments, and understand potential returns.
Debt
Compare borrowing costs, build payoff strategies, and understand your path out of debt.
Retirement & Savings
Set goals, forecast your future, and see what your money could become.
Featured Tool
Mortgage Wealth Planner
Don't just calculate the payment. See what the home could do for your wealth.
Monthly Payment
Taxes, insurance & PMI
30-Year Interest
Total cost over life of loan
Projected Home Value
Appreciation scenarios
Projected Equity
Wealth built in your home
Calculators
Start with a highlight
A curated starting point for each pillar. Browse the full directory when you want every tool.
Housing
Investing
Debt
Retirement & Savings
Learn
Learn Before You Decide
Research-backed guides to help you make confident housing and investment decisions.
Decision guide
Should You Buy a Home Now or Wait?
Weigh interest rates, rent vs buy costs, and your timeline before deciding whether now is the right time to purchase a home.
7 min read →Decision guide
Does Paying Extra on Your Mortgage Really Save Money?
See how extra principal payments reduce total interest, shorten your loan term, and when prepaying beats investing elsewhere.
6 min read →Decision guide
How Much Could Your Home Be Worth in 30 Years?
Understand home appreciation assumptions, equity growth, and how loan paydown affects your net worth over decades.
6 min read →Decision guide
Is This Investment Property Worth Buying?
Evaluate rental income, cash flow, cap rate, and ROI before buying an investment property.
7 min read →Decision guide
Should You Refinance If Rates Drop?
Learn when a lower rate pays off after closing costs, and how break-even timing affects your refinance decision.
6 min read →Guide
How to Calculate Your Mortgage Payment
Learn how principal, interest, taxes, insurance, PMI, and HOA combine into your total monthly housing payment — with formulas and examples.
7 min read →Guide
15-Year vs 30-Year Mortgage: Payment & Interest Comparison
Compare 15-year vs 30-year mortgage payments, total interest, equity build, and flexibility — with a worked example on a $400,000 loan.
7 min read →Guide
What Is PMI? Cost, Rates & How PMI Is Calculated
What PMI is, how much it costs, how PMI rates are calculated, when it is required, and how down payment affects your monthly mortgage payment.
8 min read →Guide
Closing Costs Explained: What to Expect at Settlement
A breakdown of common closing costs when buying a home and how to estimate cash needed at closing.
5 min read →Reference
Frequently Asked Questions
Mortgage, refinance, HELOC, and Pro
Read →