Bankrate Mortgage Calculator

Free#2 of 34 in Mortgage Calculator Apps

Bankrate Mortgage Calculator: A free web calculator for detailed mortgage payment and affordability estimates. Ranked #2 of 34 in Mortgage Calculator Apps by our editors (9.3/10); pricing: Free plan; best for homebuyers comparing payments and loan costs.

9.3/10Editor score

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Bankrate Mortgage Calculator9.3 Visit Bankrate

At a glance

Editor score
9.3 / 10
Pricing
Free plan
Best for
Homebuyers comparing payments and loan costs
Free plan
Yes
Paid from
Free
Amortization schedule
Yes
Facts checked
14 Nov 2026

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.

Our verdict on Bankrate Mortgage Calculator

For people evaluating a home purchase or estimating mortgage payments, Bankrate Mortgage Calculator is a free web tool that turns a home price, down payment, loan term and interest rate into an estimated monthly payment. It is aimed at individual buyers and homeowners, rather than paid financial professionals. Its value is in bringing common cost inputs together: users can include property taxes, homeowners insurance, HOA fees and mortgage insurance when applicable, then see principal and interest alongside total loan cost and payoff date.

The calculator has more detail than a payment-only estimate. It uses an amortization formula for principal and interest, accepts a credit score range and ZIP code to inform rate estimates, and supports what-if calculations for additional monthly payments. Those inputs can help buyers understand how recurring costs affect a payment and how extra payments may change the loan payoff. The tool also links to separate affordability and amortization calculators, which extend the planning workflow without turning this calculator into a broader mortgage platform.

Its scope has clear boundaries: adjustable-rate mortgage and refinance scenarios are separate Bankrate tools, not functions of this specific calculator. Choose it for a free, accessible estimate that includes taxes, insurance and payoff context; it is less suitable if you need ARM or refinance analysis inside the same tool. The calculator is web-based, so it fits browser-based research rather than an app-specific workflow. Buyers who want a focused starting point for comparing payment assumptions should find the input range useful, while those needing specialized scenario comparisons should move to the corresponding separate calculators.

Your product? Our editors can test Bankrate Mortgage Calculator in depth and publish a review, labelled as paid · from $149/mo →

Bankrate Mortgage Calculator pricing

Plans Free planFree Free to use — no paid tier required for the core job.

See plans on bankrate.com

Bankrate Mortgage Calculator fact sheet

Free plan	Yes
Paid from	Free
Amortization schedule	Yes
Affordability analysis	Yes
Refinance scenarios	No
ARM calculations	No
Property-tax inputs	Yes
Insurance inputs	Yes
Platform access	Web
Deployment	Cloud
Platforms	Web
Built for	Solo (editorial estimate)
Pricing	Free plan
Website	bankrate.com
Facts checked	14 Nov 2026

Alternatives to Bankrate Mortgage Calculator

See all Bankrate Mortgage Calculator alternatives →

Bankrate Mortgage Calculator vs the competition

Compare Bankrate Mortgage Calculator with any tool side by side →

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The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used Bankrate Mortgage Calculator for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.

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Featured on iTechGuides

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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

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Last updated 14 Nov 2026 · How we research and update