Head-to-head · Mortgage Calculator Apps
MoneySavingExpert Ultimate Mortgage Calculator vs Kiplinger Mortgage Calculator
MoneySavingExpert Ultimate Mortgage Calculator leads on 0 checks, Kiplinger Mortgage Calculator on 0, and 4 are even. Who comes out ahead on the 4 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.
Our verdict
- Highest scoreMoneySavingExpert Ultimate Mortgage Calculator · 9.1/10
- Free planboth
- Most featuresKiplinger Mortgage Calculator · 3 of 6
MoneySavingExpert Ultimate Mortgage Calculator scores higher on our rubric for mortgage calculator apps: 9.1 against 8.7 out of 10; our editors rank them #4 and #8.
MoneySavingExpert Ultimate Mortgage Calculator is the better fit for comparing mortgage deals and overpayments. Kiplinger Mortgage Calculator is the better fit for affordability, refinance and ARM estimates.
- MoneySavingExpert Ultimate Mortgage Calculator fits best
Comparing mortgage deals and overpayments
- Kiplinger Mortgage Calculator fits best
Affordability, refinance and ARM estimates
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Side by side
| Feature | MoneySavingExpert Ultimate Mortgage Calculator 9.1/10 Visit ↗ | Kiplinger Mortgage Calculator 8.7/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 9.1 | 8.7 |
| Ranking | #4 in Mortgage Calculator Apps | #8 in Mortgage Calculator Apps |
| Best for | Comparing mortgage deals and overpayments | 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 MoneySavingExpert Ultimate Mortgage Calculator 2/6 · Kiplinger Mortgage Calculator 3/6 | ||
| Amortization schedule | Not checked yet | Not checked yet |
| Affordability analysis | ✓ | ✓ |
| Refinance scenarios | ✓ | ✓ |
| ARM calculations | Not checked yet | ✓ (best) |
| Property-tax inputs | Not checked yet | Not checked yet |
| Insurance inputs | Not checked yet | Not checked yet |
| Specs | ||
| Platform access | Web | Web |
| Our review | ||
| Pros |
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| Cons |
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| Our verdict | 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 → |
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
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
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
- MoneySavingExpert Ultimate Mortgage Calculator9.1/10 · Free plan
A free set of calculators for comparing mortgage deals, payments and overpayments.
Visit siteFull verdict → - Kiplinger Mortgage Calculator8.7/10 · Free plan
A free web calculator for purchase, refinance, affordability and ARM payment estimates.
Visit KiplingerFull verdict →
MoneySavingExpert Ultimate Mortgage Calculator vs Kiplinger Mortgage Calculator: questions
Which is better for mortgage calculator apps, MoneySavingExpert Ultimate Mortgage Calculator or Kiplinger Mortgage Calculator?
MoneySavingExpert Ultimate Mortgage Calculator scores higher on our rubric for mortgage calculator apps: 9.1 against 8.7 out of 10; our editors rank them #4 and #8.
How do MoneySavingExpert Ultimate Mortgage Calculator and Kiplinger Mortgage Calculator compare?
All 4 checks we put side by side come out level: neither leads on any.
Do MoneySavingExpert Ultimate Mortgage Calculator and Kiplinger Mortgage Calculator have a free plan?
MoneySavingExpert Ultimate 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