MortgageCalculator.com
MortgageCalculator.com: A free web toolkit for comparing mortgage costs and home-financing scenarios. Ranked #20 of 34 in Mortgage Calculator Apps by our editors (7.5/10); pricing: Free plan; best for homebuyers comparing mortgage and housing scenarios.
At a glance
- Editor score7.5 / 10
- PricingFree plan
- Best forHomebuyers comparing mortgage and housing scenarios
- Free planYes
- Paid fromFree
- Amortization scheduleYes
- Facts checked14 Nov 2026
Where it wins
- Combines payment, affordability, refinance, and rent-versus-buy tools
- Shows amortization as a chart or table and supports CSV export
- Includes down-payment, extra-payment, rate, and discount-point calculations
Where it doesn't
- Available on the web only
- Calculations are educational, not financial advice
- Results depend on the borrower and property inputs entered
Our verdict on MortgageCalculator.com
MortgageCalculator.com brings a collection of home-financing calculators together on the web for homebuyers and homeowners who want to explore costs before making a housing decision. Its payment estimator accepts home price, down payment, interest rate, loan term, property tax, homeowners insurance, and PMI inputs. The site says its calculators are free and require no registration, making it suitable for individual research rather than a professional lending workflow.
The breadth is its defining strength: alongside monthly payment and total-interest estimates, the tools cover affordability using income, debts, and debt-to-income ratio; refinancing with monthly and interest savings plus a closing-cost break-even point; and extra payments and payoff calculations. Buyers can also model down-payment savings timelines, discount-point break-even, and rent-versus-buy costs. Mortgage-rate estimates account for borrower and property factors, while weekly rate data is sourced from FRED. Amortization can be viewed as a chart or table and exported as CSV. ARM support is also indicated among the site's calculator capabilities.
This range makes the site useful for comparing scenarios in one place, but its web-only, calculator-based format is not a substitute for individualized financial guidance. The vendor describes the tools as educational and not financial advice, so users should treat estimates as planning inputs, not as a lending decision or personalized recommendation. Choose MortgageCalculator.com if you want free, self-directed analysis across several mortgage questions; look elsewhere if you need a non-web application or professional advice tailored to your circumstances.
Your product? Our editors can test MortgageCalculator.com in depth and publish a review, labelled as paid · from $149/mo →
MortgageCalculator.com pricing
MortgageCalculator.com fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| Amortization schedule | Yes |
| Affordability analysis | Yes |
| Refinance scenarios | Yes |
| ARM calculations | Yes |
| Property-tax inputs | Yes |
| Insurance inputs | Yes |
| Platform access | Web |
| Deployment | Cloud |
| Platforms | Web |
| Built for | Solo, Small business (editorial estimate) |
| Pricing | Free plan |
| Website | mortgagecalculator.com |
| Facts checked | 14 Nov 2026 |
Alternatives to MortgageCalculator.com
- Chase Mortgage CalculatorFree web calculators cover mortgage payments, affordability, refinancing and loan scenarios.9.4
- Bankrate Mortgage CalculatorA free web calculator for detailed mortgage payment and affordability estimates.9.3
- Fannie Mae Mortgage CalculatorA free web calculator with payment breakdowns plus separate affordability and refinance tools.9.2
See all MortgageCalculator.com alternatives →
Used MortgageCalculator.com? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used MortgageCalculator.com 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.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
MortgageCalculator.com is listed in our Mortgage Calculator Apps directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/mortgagecalculator-com/"><img src="https://www.itechguides.com/best/badge/mortgagecalculator-com.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
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.
Last updated · How we research and update