Head-to-head · Mortgage Calculator Apps
Bankrate Mortgage Calculator vs MoneySavingExpert Ultimate Mortgage Calculator
Bankrate Mortgage Calculator leads on 0 checks, MoneySavingExpert Ultimate Mortgage Calculator on 1, and 6 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 9.1 out of 10; our editors rank them #2 and #4.
MoneySavingExpert Ultimate Mortgage Calculator offers refinance scenarios; Bankrate Mortgage Calculator doesn't.
Bankrate Mortgage Calculator is the better fit for homebuyers comparing payments and loan costs. MoneySavingExpert Ultimate Mortgage Calculator is the better fit for comparing mortgage deals and overpayments.
- Bankrate Mortgage Calculator fits best
Homebuyers comparing payments and loan costs
- MoneySavingExpert Ultimate Mortgage Calculator fits best
Comparing mortgage deals and overpayments
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.
Side by side
| Feature | Bankrate Mortgage Calculator 9.3/10 Visit ↗ | MoneySavingExpert Ultimate Mortgage Calculator 9.1/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 9.3 | 9.1 |
| Ranking | #2 in Mortgage Calculator Apps | #4 in Mortgage Calculator Apps |
| Best for | Homebuyers comparing payments and loan costs | Comparing mortgage deals and overpayments |
| 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 · MoneySavingExpert Ultimate Mortgage Calculator 2/6 | ||
| Amortization schedule | ✓ (best) | Not checked yet |
| Affordability analysis | ✓ | ✓ |
| Refinance scenarios | — | ✓ (best) |
| ARM calculations | — | Not checked yet |
| Property-tax inputs | ✓ (best) | Not checked yet |
| Insurance inputs | ✓ (best) | Not checked yet |
| Specs | ||
| Platform access | Web | Web |
| Our review | ||
| Pros |
|
|
| Cons |
|
|
| 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 → |
MoneySavingExpert Ultimate Mortgage Calculator is a free web-based collection of tools for people buying or managing a home. It estimates monthly payments and total mortgage cost, with inputs for the loan, term, interest rate and fees. It… 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.
MoneySavingExpert Ultimate Mortgage Calculator — where it wins
- Compares two mortgage products and fixed-rate deals
- Models monthly payments, total cost and overpayments
- Includes deposit-saving and borrowing estimates
Where it doesn't
- Available on the web only
- Focused on mortgage calculations rather than broader home-buying tools
- The estimate depends on the loan, term, rate and fee inputs supplied
- Bankrate Mortgage Calculator9.3/10 · Free plan
A free web calculator for detailed mortgage payment and affordability estimates.
Visit BankrateFull verdict → - MoneySavingExpert Ultimate Mortgage Calculator9.1/10 · Free plan
A free set of calculators for comparing mortgage deals, payments and overpayments.
Visit siteFull verdict →
Bankrate Mortgage Calculator vs MoneySavingExpert Ultimate Mortgage Calculator: questions
Which is better for mortgage calculator apps, Bankrate Mortgage Calculator or MoneySavingExpert Ultimate Mortgage Calculator?
Bankrate Mortgage Calculator scores higher on our rubric for mortgage calculator apps: 9.3 against 9.1 out of 10; our editors rank them #2 and #4.
How do Bankrate Mortgage Calculator and MoneySavingExpert Ultimate Mortgage Calculator compare?
Of the 7 checks we put side by side, Bankrate Mortgage Calculator leads on none, MoneySavingExpert Ultimate Mortgage Calculator on 1, and 6 are level. Refinance scenarios only on MoneySavingExpert Ultimate Mortgage Calculator.
Do Bankrate Mortgage Calculator and MoneySavingExpert Ultimate Mortgage Calculator have a free plan?
Bankrate Mortgage Calculator: Yes. MoneySavingExpert Ultimate Mortgage Calculator: Yes.
More comparisons
- Chase Mortgage Calculator vs Bankrate Mortgage Calculator
- Chase Mortgage Calculator vs MoneySavingExpert Ultimate Mortgage Calculator
- Bankrate Mortgage Calculator vs Fannie Mae Mortgage Calculator
- Bankrate Mortgage Calculator vs TransUnion Mortgage Calculator
- Bankrate Mortgage Calculator vs NerdWallet Mortgage Calculator
- Bankrate Mortgage Calculator vs Zillow Mortgage Calculator
- Bankrate Mortgage Calculator vs Kiplinger Mortgage Calculator
- Fannie Mae Mortgage Calculator vs MoneySavingExpert Ultimate Mortgage Calculator
All mortgage calculator apps comparisons → · Full ranking →
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Last updated · How we research and update