About MortgagesCalc
25 free mortgage calculators built for accuracy, transparency, and zero friction.
Who it's for
First-time buyers figuring out what they can afford. Existing homeowners weighing a refinance. People comparing rent vs buy. Anyone who needs to run mortgage math without registering for an account or downloading an app.
Methodology
All payment calculations use the standard amortization formula: M = P · [r(1+r)n] / [(1+r)n − 1]. Affordability calculators apply the 28% front-end and 36% back-end DTI rules. PMI estimates use 0.5%–1.2% of loan amount annually based on credit tier inputs. Property tax, insurance, and closing cost line items use national averages with regional adjustments where noted.
What we don't do
We don't collect personal financial data. Inputs you type stay in your browser — nothing is sent to any server. We don't sell leads to lenders. We don't push you toward any particular product or institution.