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Head-to-head · Mortgage Calculator Apps

MoneySavingExpert Ultimate Mortgage Calculator vs NerdWallet Mortgage Calculator

  • Updated Nov 2026
  • Both researched from official sources
  • 6 checks side by side
Higher score MoneySavingExpert Ultimate Mortgage Calculator #4 in Mortgage Calculator Apps 9.1/10 Free plan Free plan✓ 2 of 6 features Visit site
NerdWallet Mortgage Calculator #6 in Mortgage Calculator Apps 8.9/10 Free plan Free plan✓ 3 of 6 features Visit NerdWallet

MoneySavingExpert Ultimate Mortgage Calculator leads on 2 checks, NerdWallet Mortgage Calculator on 0, and 4 are even. Who comes out ahead on the 6 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 featuresNerdWallet Mortgage Calculator · 3 of 6

MoneySavingExpert Ultimate Mortgage Calculator scores higher on our rubric for mortgage calculator apps: 9.1 against 8.9 out of 10; our editors rank them #4 and #6.

MoneySavingExpert Ultimate Mortgage Calculator offers affordability analysis; NerdWallet Mortgage Calculator doesn't. MoneySavingExpert Ultimate Mortgage Calculator offers refinance scenarios; NerdWallet Mortgage Calculator doesn't.

MoneySavingExpert Ultimate Mortgage Calculator is the better fit for comparing mortgage deals and overpayments. NerdWallet Mortgage Calculator is the better fit for straightforward payment and amortization planning.

  • MoneySavingExpert Ultimate Mortgage Calculator fits best

    Comparing mortgage deals and overpayments

  • NerdWallet Mortgage Calculator fits best

    Straightforward payment and amortization planning

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 MoneySavingExpert Ultimate Mortgage Calculator 9.1/10 Visit ↗ NerdWallet Mortgage Calculator 8.9/10 Visit ↗
At a glance
Editor score 9.1 8.9
Ranking #4 in Mortgage Calculator Apps #6 in Mortgage Calculator Apps
Best for Comparing mortgage deals and overpayments 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 MoneySavingExpert Ultimate Mortgage Calculator 2/6 · NerdWallet Mortgage Calculator 3/6
Amortization schedule Not checked yet ✓ (best)
Affordability analysis ✓ (best) —
Refinance scenarios ✓ (best) —
ARM calculations Not checked yet Not checked yet
Property-tax inputs Not checked yet ✓ (best)
Insurance inputs Not checked yet ✓ (best)
Specs
Platform access Web Web
Our review
Pros
  • Compares two mortgage products and fixed-rate deals
  • Models monthly payments, total cost and overpayments
  • Includes deposit-saving and borrowing estimates
  • 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
Cons
  • 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
  • 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
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 →

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 →
  1. MoneySavingExpert Ultimate Mortgage CalculatorMortgage Calculator Apps 9.1Free plan
  2. NerdWallet Mortgage CalculatorMortgage Calculator Apps 8.9Free plan

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
  • 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
  • MoneySavingExpert Ultimate Mortgage Calculator9.1/10 · Free plan

    A free set of calculators for comparing mortgage deals, payments and overpayments.

    Visit siteFull verdict →
  • NerdWallet Mortgage Calculator8.9/10 · Free plan

    A free web calculator for estimating mortgage costs and viewing annual amortization.

    Visit NerdWalletFull verdict →

MoneySavingExpert Ultimate Mortgage Calculator vs NerdWallet Mortgage Calculator: questions

Which is better for mortgage calculator apps, MoneySavingExpert Ultimate Mortgage Calculator or NerdWallet Mortgage Calculator?

MoneySavingExpert Ultimate Mortgage Calculator scores higher on our rubric for mortgage calculator apps: 9.1 against 8.9 out of 10; our editors rank them #4 and #6.

How do MoneySavingExpert Ultimate Mortgage Calculator and NerdWallet Mortgage Calculator compare?

Of the 6 checks we put side by side, MoneySavingExpert Ultimate Mortgage Calculator leads on 2, NerdWallet Mortgage Calculator on none, and 4 are level. Affordability analysis only on MoneySavingExpert Ultimate Mortgage Calculator.

Do MoneySavingExpert Ultimate Mortgage Calculator and NerdWallet Mortgage Calculator have a free plan?

MoneySavingExpert Ultimate Mortgage Calculator: Yes. NerdWallet Mortgage Calculator: Yes.

More comparisons

Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

Last updated · How we research and update