Free mortgage calculators built by a former loan officer. No signup, no spam, no hidden fees — just honest math to help you buy, refinance, and save.
Free Calculators
In-Depth Guides
Signups Required
Free Forever
Every calculator you need to make informed decisions about your home loan. Pick one and start crunching.
Calculate your full monthly PITI payment including principal, interest, taxes, insurance, and PMI.
EssentialFind out exactly when refinancing pays for itself. Compare your current loan vs. a new one.
PopularGenerate a complete year-by-year breakdown of your loan. See principal vs. interest each year.
PlanningFind out how much house you can actually afford based on income, debts, and down payment.
EssentialSee if an FHA loan works for you. Includes 2026 limits, MIP calculations, and down payment.
GovernmentPlan your path to homeownership with a clear savings timeline and monthly target.
PlanningCompare adjustable-rate and fixed-rate mortgages side by side over multiple scenarios.
CompareNot a faceless corporation. Real experience from the front lines of mortgage lending.
12 years helping homebuyers in Massachusetts. I've seen every scenario, every mistake, every opportunity.
All calculations run in your browser. We don't store your financial info, don't ask for your email, don't sell your data.
Every tool includes explanations of what the numbers mean and how to use them in your actual homebuying journey.
Practical guides written from real experience. No fluff, no filler.
I opened my electric bill last month and almost dropped my coffee. $487. For one month. That's not a utility bill. That's a mortgage payment in some s...
Why My Mortgage Pre-Approval Disappeared When the Boston Heat Wave Hit Daniel O'Brien I was three days from closing on my first house in Roslindale wh...
She was going to walk. I could see it in her face, the way she folded the pre-approval letter like it was a receipt she didn't want to keep. Sarah — n...
The Mortgage Pre-Approval That Fell Apart Three Days Before Closing I was standing in the empty living room of the house on Washington Street in Rosli...
Stop Looking at Zillow. Your Mortgage Rate Just Went Up 0.4% in a Week. Stop looking at Zillow. I mean it. Put down your phone. Close the app. Because...
The 2026 FHA loan limits are out, and they're up. Floor hits $541,287. Here's what it means for first-time buyers.
Pick a calculator, enter your details, and get instant results. No account needed, no strings attached.
Browse All Tools