The Best Mortgage Calculator Apps in 2026
We researched mortgage calculator apps through official websites, including pricing pages, plan tables, and product documentation. Rankings reflect each product’s core calculation job, value for money, and verified features for comparing payments, affordability, amortization, refinancing, and adjustable-rate mortgage scenarios.
Our top picks
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Top ranked
Chase Mortgage Calculator#1 of 349.4/10Free web calculators cover mortgage payments, affordability, refinancing and loan scenarios.
Free plan
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Runner-up
Bankrate Mortgage Calculator#2 of 349.3/10A free web calculator for detailed mortgage payment and affordability estimates.
Free plan
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Top-ranked free plan
Fannie Mae Mortgage Calculator#3 of 349.2/10A free web calculator with payment breakdowns plus separate affordability and refinance tools.
Free plan
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
The full ranking 34 tools, best first
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Best forComprehensive U.S. mortgage planning
Free web calculators cover mortgage payments, affordability, refinancing and loan scenarios.
- Refinance scenarios
- Property-tax inputs
- Insurance inputs
9.4/10★★★★★Visit Chase -
Best forHomebuyers comparing payments and loan costs
A free web calculator for detailed mortgage payment and affordability estimates.
- Property-tax inputs
- Insurance inputs
- Amortization schedule
9.3/10★★★★★Visit Bankrate -
Best forIntegrated payment, affordability and refinance analysis
A free web calculator with payment breakdowns plus separate affordability and refinance tools.
- Refinance scenarios
- Property-tax inputs
- Insurance inputs
9.2/10★★★★★Visit Fannie Mae -
Best forComparing mortgage deals and overpayments
A free set of calculators for comparing mortgage deals, payments and overpayments.
- Refinance scenarios
- Affordability analysis
9.1/10★★★★★Visit site -
Best forAmortization and scenario comparisons
A free web calculator for comparing mortgage payments, costs, and amortization scenarios.
- Refinance scenarios
- Property-tax inputs
- Insurance inputs
9.0/10★★★★☆Visit TransUnion -
Best forStraightforward payment and amortization planning
A free web calculator for estimating mortgage costs and viewing annual amortization.
- Property-tax inputs
- Insurance inputs
- Amortization schedule
8.9/10★★★★☆Visit NerdWallet -
Best forU.S. buyers comparing fixed and ARM loans
A free web calculator for comparing fixed-rate and ARM mortgage payment estimates.
- ARM calculations
- Property-tax inputs
- Insurance inputs
8.8/10★★★★☆Visit Zillow -
Best forAffordability, refinance and ARM estimates
A free web calculator for purchase, refinance, affordability and ARM payment estimates.
- ARM calculations
- Refinance scenarios
- Affordability analysis
8.7/10★★★★☆Visit Kiplinger -
Best forUK borrowing and repayment estimates
A free web tool for estimating UK borrowing, repayments, rate changes and overpayments.
- Affordability analysis
8.6/10★★★★☆Visit HSBC UK -
Best forCanadian affordability and payment planning
A free web calculator for Canadian mortgage payments and home affordability estimates.
- Property-tax inputs
- Insurance inputs
- Affordability analysis
8.5/10★★★★☆Visit site -
Best forANZ borrowers comparing repayment options
A free web calculator for comparing ANZ and custom-rate repayment scenarios.
- Refinance scenarios
8.4/10★★★★☆Visit ANZ -
Best forEstimating maximum affordable purchase price
A free web calculator for estimating an affordable home purchase price.
- Property-tax inputs
- Insurance inputs
- Affordability analysis
8.3/10★★★★☆Visit Fannie Mae -
Best forQuick payment estimates with local costs
A free web calculator for mortgage estimates with ZIP-based tax and insurance inputs.
- Property-tax inputs
- Insurance inputs
8.2/10★★★★☆Visit site -
Best forHome buying-power estimates
A free web calculator that estimates buying power from income, debt, location and funds.
- Affordability analysis
8.1/10★★★★☆Visit Realtor.com -
Best forSimple UK repayment estimates
A free web calculator for UK mortgage repayment and interest-only estimates.
8.0/10★★★★☆Visit MoneyHelper -
Best forBroad free mortgage scenario analysis
A free web toolkit for comparing mortgage payments, affordability and refinance scenarios.
- ARM calculations
- Refinance scenarios
- Property-tax inputs
7.9/10★★★★☆Visit site -
Best forVisual repayment and rate comparisons
A free web calculator for comparing estimated repayments, interest and loan payoff timing.
- Refinance scenarios
- Amortization schedule
7.8/10★★★★☆Visit Canstar -
Best forAustralian repayment and borrowing exploration
A free web calculator for exploring Australian home-loan repayments and borrowing.
- Affordability analysis
7.7/10★★★★☆Visit Moneysmart -
Best forEvaluating mortgage overpayments
A free web calculator for estimating how regular or lump-sum overpayments may change payoff timing.
7.6/10★★★★☆Visit MoneyWeek -
Best forHomebuyers comparing mortgage and housing scenarios
A free web toolkit for comparing mortgage costs and home-financing scenarios.
- ARM calculations
- Refinance scenarios
- Property-tax inputs
7.5/10★★★★☆Visit site -
Best forCanadian buyers needing full scenario planning
A multi-platform Canadian mortgage app for comparing affordability, costs and loan scenarios.
- Refinance scenarios
- Property-tax inputs
- Insurance inputs
7.4/10★★★★☆Visit site -
Best forMobile amortization and refinance calculations
A free mortgage calculator for payment schedules, extra payments, and refinance scenarios.
- Refinance scenarios
- Property-tax inputs
- Insurance inputs
7.3/10★★★★☆Visit Amortize -
Best forAdvanced multi-country mortgage calculations
A free, multi-platform calculator for detailed mortgage scenarios, including Canadian and UK modes.
- ARM calculations
- Property-tax inputs
- Insurance inputs
7.2/10★★★★☆Visit site -
Best forComparing fixed-rate mortgage scenarios on web and iOS
A free web and iOS calculator for comparing fixed-rate mortgage scenarios.
- Refinance scenarios
- Property-tax inputs
- Insurance inputs
7.1/10★★★★☆Visit MtgCalc -
Best forDetailed adjustable-rate loan modeling
A mobile mortgage calculator for modeling adjustable rates, expenses, and refinance scenarios.
- ARM calculations
- Refinance scenarios
- Property-tax inputs
7.0/10★★★★☆Visit Loan Mate -
Best foriPhone mortgage budgeting
A free iPhone mortgage calculator with affordability estimates and flexible payment inputs.
- Property-tax inputs
- Insurance inputs
- Amortization schedule
6.9/10★★★☆☆View on App Store -
Best forFree web mortgage toolset
A free web toolkit for estimating mortgage costs and comparing home-financing scenarios.
- Refinance scenarios
- Amortization schedule
- Affordability analysis
6.8/10★★★☆☆Visit site -
Best forExtra-payment and payoff analysis
A free web calculator for mortgage payoff scenarios and compound-interest projections.
- Amortization schedule
6.7/10★★★☆☆Visit Excalapp -
Best forOffline Swiss mortgage calculations
A focused iPhone calculator for amortization, loan scenarios and Swiss affordability estimates.
- Amortization schedule
- Affordability analysis
6.6/10★★★☆☆View on App Store -
Best forUK mobile mortgage planning
A broad UK mortgage-planning toolkit for mobile, with free calculations and paid professional tools.
- Refinance scenarios
- Affordability analysis
6.5/10★★★☆☆Visit site -
Best forLow-cost mobile amortization
A focused mobile calculator for loan payments, costs and amortization.
- Property-tax inputs
- Insurance inputs
- Amortization schedule
6.4/10★★★☆☆Visit 3magic -
Best forHomeowners comparing extra-payment payoff scenarios
A free browser calculator for modeling extra principal payments on a fixed-rate mortgage.
- Amortization schedule
6.3/10★★★☆☆Visit TOEA -
Best forAustralian home-loan scenario exploration
A free web toolkit for exploring Australian home-loan scenarios, not a loan quote.
- Refinance scenarios
- Amortization schedule
- Affordability analysis
6.2/10★★★☆☆Visit Westpac -
Best forAndroid users making beats and melodies
A music-making app, not a tool for mortgage calculations.
6.0/10★★★☆☆View Jam Pad
No tools match those filters.
Compare at a glance
Head-to-head All 28 comparisons →
- Chase Mortgage Calculator vs Bankrate Mortgage Calculator
- Chase Mortgage Calculator vs Fannie Mae Mortgage Calculator
- Chase Mortgage Calculator vs MoneySavingExpert Ultimate Mortgage Calculator
- Chase Mortgage Calculator vs TransUnion Mortgage Calculator
- Chase Mortgage Calculator vs NerdWallet Mortgage Calculator
- Chase Mortgage Calculator vs Zillow Mortgage Calculator
- Chase Mortgage Calculator vs Kiplinger Mortgage Calculator
- Bankrate Mortgage Calculator vs Fannie Mae Mortgage Calculator
- Bankrate Mortgage Calculator vs MoneySavingExpert Ultimate Mortgage Calculator
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How we rank mortgage calculator apps
Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Last updated · How we research and update