Head-to-head · Mortgage Calculator Apps
Bankrate Mortgage Calculator vs Kiplinger Mortgage Calculator
Bankrate Mortgage Calculator leads on 0 checks, Kiplinger Mortgage Calculator on 2, and 5 are even. Who comes out ahead on the 7 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.
Our verdict
- Highest scoreBankrate Mortgage Calculator · 9.3/10
- Free planboth
- Most featuresBankrate Mortgage Calculator · 4 of 6
Bankrate Mortgage Calculator scores higher on our rubric for mortgage calculator apps: 9.3 against 8.7 out of 10; our editors rank them #2 and #8.
Kiplinger Mortgage Calculator offers refinance scenarios; Bankrate Mortgage Calculator doesn't. Kiplinger Mortgage Calculator offers arm calculations; Bankrate Mortgage Calculator doesn't.
Bankrate Mortgage Calculator is the better fit for homebuyers comparing payments and loan costs. Kiplinger Mortgage Calculator is the better fit for affordability, refinance and ARM estimates.
- Bankrate Mortgage Calculator fits best
Homebuyers comparing payments and loan costs
- Kiplinger Mortgage Calculator fits best
Affordability, refinance and ARM estimates
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Side by side
| Feature | Bankrate Mortgage Calculator 9.3/10 Visit ↗ | Kiplinger Mortgage Calculator 8.7/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 9.3 | 8.7 |
| Ranking | #2 in Mortgage Calculator Apps | #8 in Mortgage Calculator Apps |
| Best for | Homebuyers comparing payments and loan costs | Affordability, refinance and ARM estimates |
| Pricing model | Free | Free |
| Starting price | Free plan | Free plan |
| Free plan | ✓ | ✓ |
| Free trial | — | — |
| Deployment | Cloud | Cloud |
| Platforms | Web | Web |
| Built for | Solo | Solo |
| Features Bankrate Mortgage Calculator 4/6 · Kiplinger Mortgage Calculator 3/6 | ||
| Amortization schedule | ✓ (best) | Not checked yet |
| Affordability analysis | ✓ | ✓ |
| Refinance scenarios | — | ✓ (best) |
| ARM calculations | — | ✓ (best) |
| Property-tax inputs | ✓ (best) | Not checked yet |
| Insurance inputs | ✓ (best) | Not checked yet |
| Specs | ||
| Platform access | Web | Web |
| Our review | ||
| Pros |
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| Cons |
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| Our verdict | For people evaluating a home purchase or estimating mortgage payments, Bankrate Mortgage Calculator is a free web tool that turns a home price, down payment, loan term and interest rate into an estimated monthly payment. It is aimed at… Read the review → |
Kiplinger Mortgage Calculator is a free web tool for people weighing a home purchase or refinance. It estimates monthly mortgage payments using loan amount, interest rate and term, and also lets users enter purchase price or current home… Read the review → |
Strengths and trade-offs
Bankrate Mortgage Calculator — where it wins
- Includes taxes, insurance, HOA fees and applicable mortgage insurance.
- Shows principal and interest, total loan cost and payoff date.
- Lets you model extra monthly payments and adjust affordability inputs.
Where it doesn't
- ARM and refinance scenarios are handled by separate Bankrate calculators.
- Rate estimates use credit score range and ZIP code inputs.
- Available on the web; no separate app platform is listed.
Kiplinger Mortgage Calculator — where it wins
- Estimates monthly payments from loan amount, rate and term
- Supports both home-purchase and refinance inputs
- Includes affordability and ARM payment estimates
Where it doesn't
- Limited to web access
- Provides estimates rather than a full loan application workflow
- Offer comparisons are powered by Bankrate
- Bankrate Mortgage Calculator9.3/10 · Free plan
A free web calculator for detailed mortgage payment and affordability estimates.
Visit BankrateFull verdict → - Kiplinger Mortgage Calculator8.7/10 · Free plan
A free web calculator for purchase, refinance, affordability and ARM payment estimates.
Visit KiplingerFull verdict →
Bankrate Mortgage Calculator vs Kiplinger Mortgage Calculator: questions
Which is better for mortgage calculator apps, Bankrate Mortgage Calculator or Kiplinger Mortgage Calculator?
Bankrate Mortgage Calculator scores higher on our rubric for mortgage calculator apps: 9.3 against 8.7 out of 10; our editors rank them #2 and #8.
How do Bankrate Mortgage Calculator and Kiplinger Mortgage Calculator compare?
Of the 7 checks we put side by side, Bankrate Mortgage Calculator leads on none, Kiplinger Mortgage Calculator on 2, and 5 are level. Refinance scenarios only on Kiplinger Mortgage Calculator.
Do Bankrate Mortgage Calculator and Kiplinger Mortgage Calculator have a free plan?
Bankrate Mortgage Calculator: Yes. Kiplinger Mortgage Calculator: Yes.
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All mortgage calculator apps comparisons → · Full ranking →
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Last updated · How we research and update