Bankrate Mortgage Calculator vs Zillow Mortgage Calculator

• Bankrate Mortgage Calculator fits best

  Homebuyers comparing payments and loan costs

• Zillow Mortgage Calculator fits best

  U.S. buyers comparing fixed and ARM loans

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Side by side

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.

• Zillow Mortgage Calculator — where it wins

  • Compares 30-year fixed, 15-year fixed and 5-year ARM scenarios
  • Breaks estimates into payment components and a schedule
  • Includes taxes, homeowners insurance, PMI and HOA costs

  Where it doesn't

  • Does not provide affordability analysis in this calculator
  • Does not include refinance scenarios in this calculator
  • Estimates depend on the loan and cost inputs entered

• BMBankrate Mortgage Calculator9.3/10 · Free plan

  A free web calculator for detailed mortgage payment and affordability estimates.

  Visit BankrateFull verdict →
• ZMZillow Mortgage Calculator8.8/10 · Free plan

  A free web calculator for comparing fixed-rate and ARM mortgage payment estimates.

  Visit ZillowFull verdict →