Amortize: Mortgage Calculator review
A free mortgage calculator for payment schedules, extra payments, and refinance scenarios.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Amortize: Mortgage Calculator estimates mortgage payments from home price, down payment, interest rate, and loan term, then shows a schedule of interest, principal, and remaining balance. It is aimed at people comparing loan costs or tracking how extra payments could affect payoff. The product is available on the web, iOS, and Android, and the calculator is usable without a paid subscription. Its companion mobile app is described by the vendor as working offline, which may suit borrowers who want to run calculations away from an internet connection.
The calculator goes beyond principal and interest: inputs cover property tax, home insurance, HOA fees, and PMI, while results include a payment breakdown and loan-to-value ratio. Extra monthly payments can be modeled, and a separate payoff calculator addresses extra-payment scenarios. The site also offers refinance calculations, including an optional cash-out scenario, and calculators for other loans. This makes Amortize useful for exploring several mortgage questions in one place, though it does not provide affordability analysis. Buyers looking for broader home-buying budget guidance may need a separate tool.
The product has a free plan, and the vendor says schedules can be exported to CSV. That export can help borrowers keep a copy of payment projections, while web and mobile access provide options for where to calculate. The feature set is centered on estimates and schedules rather than AI-assisted analysis or a broader financial planning workspace. Pick Amortize for accessible payment, amortization, payoff, and refinance calculations; look elsewhere if affordability analysis is a core requirement.
Amortize: Mortgage Calculator pros and cons
- Where it wins
- Breaks schedules into interest, principal, and remaining balance
- Accounts for taxes, insurance, HOA fees, PMI, and extra payments
- Includes refinance and payoff calculators, plus CSV schedule export
- Where it doesn't
- Does not include affordability analysis
- Focuses on mortgage and loan calculations rather than broader financial planning
- No AI features
Amortize: Mortgage Calculator fact sheet, pricing and score →
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