Full amortization. PMI, taxes, HOA. Scenario comparison. 100% client-side — your numbers never leave your browser.
Open CalculatorHere's the thing most people don't realize: the major mortgage calculators aren't tools. They're lead funnels. Bankrate, LendingTree, Zillow — you enter your home price and income, and within minutes a loan officer is calling you. Your "free" calculation cost you your contact information, which was sold to four or five lenders simultaneously.
That model works fine for lenders. It's terrible for borrowers who just want to run numbers before they're ready to talk to anyone. Which is exactly why this calculator asks for nothing. No email. No phone number. No account. You get the same calculation the lenders' systems use, without giving up your contact information to get it.
The tool is supported by Google AdSense — advertising, not lead generation. That's the entire business model. It costs nothing and collects nothing.
A lot of mortgage calculators show you principal and interest and call it a day. The real number you need is PITI plus PMI — Principal, Interest, Taxes, Insurance, and Private Mortgage Insurance if your down payment is under 20%. That's what your lender will actually qualify you on, and it's often $400–700/month higher than the P&I figure alone.
This calculator lets you toggle each component independently. Add HOA if you're looking at a condo or planned community. See exactly what drops off when your equity crosses 20% and PMI goes away. Run a 15-year and a 30-year scenario in the same session and see the total interest difference — on a $400,000 loan at 7%, that gap is $246,000.
The full amortization schedule is there too. Every single payment, broken down by principal and interest, from month one to the final payoff. It's the same data your lender has. You should have it too.
Six scenarios where running the numbers first changes the outcome.
See exactly how your down payment affects PMI and monthly cost before you commit to anything.
Calculate your break-even point when comparing your current rate to a new offer from your lender.
Run both terms side by side and see the total interest difference over the life of the loan.
Factor in different down payment requirements and rate premiums for non-owner-occupied purchases.
Work backward from your target monthly payment to find the home price that fits your budget.
Understand how one extra payment per year compresses your payoff timeline by years, not months.
Straightforward answers. No fluff.
Yes — completely free, with no limits. No trial period, no daily cap, no premium version. You can run as many calculations as you want. It's supported by advertising, not by selling your data or requiring registration.
No. Every calculation runs entirely in your browser. Nothing is transmitted to a server. The numbers you enter — home price, income, down payment — never leave your device. No account, no session, no data retention.
You can toggle property tax, homeowners insurance, PMI, and HOA fees independently to see your full monthly cost. The amortization schedule shows every payment over the life of the loan broken down by principal and interest.
The principal and interest calculation uses the standard amortization formula and is mathematically exact. Property tax, insurance, and PMI are estimates based on national averages — your actual costs depend on location, lender, and loan type.
Most mortgage calculators are lead generation tools for lenders. They collect your contact information and sell it to loan officers who will call you. This calculator doesn't participate in that model. No data is collected, no leads are sold.
Yes. The calculator has a Scenario Comparison tab that lets you run up to three loan scenarios side by side — useful for comparing 15-year vs 30-year terms, different down payments, or the effect of a rate change on total interest paid.