Head-to-head · Mortgage Calculator Apps
Bankrate Mortgage Calculator vs NerdWallet Mortgage Calculator
Bankrate Mortgage Calculator leads on 1 check, NerdWallet Mortgage Calculator on 0, 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 8.9 out of 10; our editors rank them #2 and #6.
Bankrate Mortgage Calculator offers affordability analysis; NerdWallet Mortgage Calculator doesn't.
Bankrate Mortgage Calculator is the better fit for homebuyers comparing payments and loan costs. NerdWallet Mortgage Calculator is the better fit for straightforward payment and amortization planning.
- Bankrate Mortgage Calculator fits best
Homebuyers comparing payments and loan costs
- NerdWallet Mortgage Calculator fits best
Straightforward payment and amortization planning
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Side by side
| Feature | Bankrate Mortgage Calculator 9.3/10 Visit ↗ | NerdWallet Mortgage Calculator 8.9/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 9.3 | 8.9 |
| Ranking | #2 in Mortgage Calculator Apps | #6 in Mortgage Calculator Apps |
| Best for | Homebuyers comparing payments and loan costs | Straightforward payment and amortization planning |
| 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 · NerdWallet Mortgage Calculator 3/6 | ||
| Amortization schedule | ✓ | ✓ |
| Affordability analysis | ✓ (best) | — |
| Refinance scenarios | — | — |
| ARM calculations | — | Not checked yet |
| Property-tax inputs | ✓ | ✓ |
| Insurance inputs | ✓ | ✓ |
| 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 → |
NerdWallet Mortgage Calculator is a free web tool for people evaluating home purchase costs. Enter a home price, ZIP code, down payment, loan term and interest rate to estimate monthly payments. It supports 10-, 15-, 20- and 30-year terms,… 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.
NerdWallet Mortgage Calculator — where it wins
- Estimates payments using price, down payment, term and interest rate
- Adds property tax, homeowners insurance, HOA fees and PMI
- Shows total interest, payoff date and annual amortization
Where it doesn't
- Affordability analysis requires a separate NerdWallet calculator
- Refinance scenarios require a separate NerdWallet calculator
- Available on the web, rather than as a listed mobile platform
- Bankrate Mortgage Calculator9.3/10 · Free plan
A free web calculator for detailed mortgage payment and affordability estimates.
Visit BankrateFull verdict → - NerdWallet Mortgage Calculator8.9/10 · Free plan
A free web calculator for estimating mortgage costs and viewing annual amortization.
Visit NerdWalletFull verdict →
Bankrate Mortgage Calculator vs NerdWallet Mortgage Calculator: questions
Which is better for mortgage calculator apps, Bankrate Mortgage Calculator or NerdWallet Mortgage Calculator?
Bankrate Mortgage Calculator scores higher on our rubric for mortgage calculator apps: 9.3 against 8.9 out of 10; our editors rank them #2 and #6.
How do Bankrate Mortgage Calculator and NerdWallet Mortgage Calculator compare?
Of the 7 checks we put side by side, Bankrate Mortgage Calculator leads on 1, NerdWallet Mortgage Calculator on none, and 6 are level. Affordability analysis only on Bankrate Mortgage Calculator.
Do Bankrate Mortgage Calculator and NerdWallet Mortgage Calculator have a free plan?
Bankrate Mortgage Calculator: Yes. NerdWallet 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