Kiplinger Mortgage Calculator

Free#8 of 34 in Mortgage Calculator Apps

Kiplinger Mortgage Calculator: A free web calculator for purchase, refinance, affordability and ARM payment estimates. Ranked #8 of 34 in Mortgage Calculator Apps by our editors (8.7/10); pricing: Free plan; best for affordability, refinance and ARM estimates.

8.7/10Editor score

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Kiplinger Mortgage Calculator8.7 Visit Kiplinger

At a glance

Editor score
8.7 / 10
Pricing
Free plan
Best for
Affordability, refinance and ARM estimates
Free plan
Yes
Paid from
Free
Founded
1947
Facts checked
14 Nov 2026

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

Our verdict on Kiplinger Mortgage Calculator

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 value, with down payment or existing equity. Its affordability inputs include household income and credit score, while ARM estimates cover payments during the fixed-rate period and after it expires. That combination suits individual homebuyers comparing basic scenarios, rather than users looking for a broader mortgage workflow.

The calculator’s useful range is in the scenarios it brings together: users can compare rates and loan terms, examine purchase and refinance figures, and assess affordability. ARM support adds another dimension by distinguishing the fixed period from the phase after it ends. The page also describes an offer-comparison tool powered by Bankrate; that is separate from the calculator functionality described on Kiplinger’s page. For someone who wants to understand how changing inputs may affect estimated payments, the web-based format keeps the task focused.

Its scope is also its main boundary. This is an estimate-oriented calculator, not a full loan application process, and web is the only listed platform. Choose it if you want a free way to compare purchase, refinance, affordability or ARM payment scenarios in one place. It is less suited to people who need loan origination, a dedicated mobile app, or a broader set of mortgage services; those buyers should look for a product built around those needs.

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

Kiplinger Mortgage Calculator pricing

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

See plans on kiplinger.com

Kiplinger Mortgage Calculator fact sheet

Free plan	Yes
Paid from	Free
Amortization schedule	Not verified
Affordability analysis	Yes
Refinance scenarios	Yes
ARM calculations	Yes
Property-tax inputs	Not verified
Insurance inputs	Not verified
Platform access	Web
Deployment	Cloud
Platforms	Web
Built for	Solo (editorial estimate)
Pricing	Free plan
Website	kiplinger.com
Facts checked	14 Nov 2026

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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