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Head-to-head · Mortgage Calculator Apps

MoneySavingExpert Ultimate Mortgage Calculator vs TransUnion Mortgage Calculator

  • Updated Nov 2026
  • Both researched from official sources
  • 7 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
TransUnion Mortgage Calculator #5 in Mortgage Calculator Apps 9.0/10 Free plan Free plan✓ 4 of 6 features Visit TransUnion

MoneySavingExpert Ultimate Mortgage Calculator leads on 1 check, TransUnion 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 scoreMoneySavingExpert Ultimate Mortgage Calculator · 9.1/10
  • Free planboth
  • Most featuresTransUnion Mortgage Calculator · 4 of 6

MoneySavingExpert Ultimate Mortgage Calculator scores higher on our rubric for mortgage calculator apps: 9.1 against 9.0 out of 10; our editors rank them #4 and #5.

MoneySavingExpert Ultimate Mortgage Calculator offers affordability analysis; TransUnion Mortgage Calculator doesn't.

MoneySavingExpert Ultimate Mortgage Calculator is the better fit for comparing mortgage deals and overpayments. TransUnion Mortgage Calculator is the better fit for amortization and scenario comparisons.

  • MoneySavingExpert Ultimate Mortgage Calculator fits best

    Comparing mortgage deals and overpayments

  • TransUnion Mortgage Calculator fits best

    Amortization and scenario comparisons

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 ↗ TransUnion Mortgage Calculator 9.0/10 Visit ↗
At a glance
Editor score 9.1 9.0
Ranking #4 in Mortgage Calculator Apps #5 in Mortgage Calculator Apps
Best for Comparing mortgage deals and overpayments Amortization and scenario comparisons
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 · TransUnion Mortgage Calculator 4/6
Amortization schedule Not checked yet ✓ (best)
Affordability analysis ✓ (best) —
Refinance scenarios ✓ ✓
ARM calculations 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
  • Shows monthly and yearly amortization with balances over time
  • Includes tax, insurance, HOA, and mortgage insurance inputs
  • Compares scenarios by changing loan amount, rate, or term
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
  • Does not calculate affordability from income and debts
  • Does not model adjustable-rate mortgages
  • Available on the web only
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 →

For people evaluating a home loan or refinancing, TransUnion Mortgage Calculator estimates payments from a home price, down payment, interest rate, and loan term. The free web tool also lets users add property taxes, homeowners insurance,…

Read the review →
  1. MoneySavingExpert Ultimate Mortgage CalculatorMortgage Calculator Apps 9.1Free plan
  2. TransUnion Mortgage CalculatorMortgage Calculator Apps 9.0Free 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
  • TransUnion Mortgage Calculator — where it wins

    • Shows monthly and yearly amortization with balances over time
    • Includes tax, insurance, HOA, and mortgage insurance inputs
    • Compares scenarios by changing loan amount, rate, or term

    Where it doesn't

    • Does not calculate affordability from income and debts
    • Does not model adjustable-rate mortgages
    • Available on the web only
  • MoneySavingExpert Ultimate Mortgage Calculator9.1/10 · Free plan

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

    Visit siteFull verdict →
  • TransUnion Mortgage Calculator9.0/10 · Free plan

    A free web calculator for comparing mortgage payments, costs, and amortization scenarios.

    Visit TransUnionFull verdict →

MoneySavingExpert Ultimate Mortgage Calculator vs TransUnion Mortgage Calculator: questions

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

MoneySavingExpert Ultimate Mortgage Calculator scores higher on our rubric for mortgage calculator apps: 9.1 against 9.0 out of 10; our editors rank them #4 and #5.

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

Of the 7 checks we put side by side, MoneySavingExpert Ultimate Mortgage Calculator leads on 1, TransUnion Mortgage Calculator on none, and 6 are level. Affordability analysis only on MoneySavingExpert Ultimate Mortgage Calculator.

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

MoneySavingExpert Ultimate Mortgage Calculator: Yes. TransUnion Mortgage Calculator: Yes.

More comparisons

Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

Last updated · How we research and update