NerdWallet Mortgage Calculator

Free#6 of 34 in Mortgage Calculator Apps

NerdWallet Mortgage Calculator: A free web calculator for estimating mortgage costs and viewing annual amortization. Ranked #6 of 34 in Mortgage Calculator Apps by our editors (8.9/10); pricing: Free plan; best for straightforward payment and amortization planning.

8.9/10Editor score

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NerdWallet Mortgage Calculator8.9 Visit NerdWallet

At a glance

Editor score
8.9 / 10
Pricing
Free plan
Best for
Straightforward payment and amortization planning
Free plan
Yes
Paid from
Free
Amortization schedule
Yes
Facts checked
14 Nov 2026

Where it wins
- Estimates payments using price, down payment, term and interest rate
- Adds property tax, homeowners insurance, HOA fees and PMI
- Shows total interest, payoff date and annual amortization
Where it doesn't
- Affordability analysis requires a separate NerdWallet calculator
- Refinance scenarios require a separate NerdWallet calculator
- Available on the web, rather than as a listed mobile platform

Our verdict on NerdWallet Mortgage Calculator

NerdWallet Mortgage Calculator is a free web tool for people evaluating home purchase costs. Enter a home price, ZIP code, down payment, loan term and interest rate to estimate monthly payments. It supports 10-, 15-, 20- and 30-year terms, with inputs for property taxes, homeowners insurance, HOA fees and private mortgage insurance (PMI). That makes it suited to straightforward payment planning when buyers want to include common recurring housing costs in an estimate.

The results distinguish principal and interest from taxes and insurance, and show the loan amount, total interest paid and payoff date. An annual amortization schedule adds a year-by-year view of how the loan is paid down. These outputs make the calculator useful for comparing how a selected term and rate affect estimated costs over time. Its scope is focused on purchase-payment estimates: affordability analysis and refinance scenarios are handled by separate NerdWallet calculators, so users looking to assess either scenario will need to move beyond this tool.

There is no charge to use the calculator, and access is through the web. The inputs cover several important cost components, but the product is best treated as a planning aid for estimates rather than a full home-buying or lending workflow. Buyers who want a quick payment estimate with taxes, insurance, HOA and PMI included, plus an annual amortization view, should find its focus appropriate. Those who need affordability analysis or refinance modeling in the same calculator should choose a tool that combines those functions instead.

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

NerdWallet Mortgage Calculator pricing

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

See plans on nerdwallet.com

NerdWallet Mortgage Calculator fact sheet

Free plan	Yes
Paid from	Free
Amortization schedule	Yes
Affordability analysis	No
Refinance scenarios	No
ARM calculations	Not verified
Property-tax inputs	Yes
Insurance inputs	Yes
Platform access	Web
Deployment	Cloud
Platforms	Web
Built for	Solo (editorial estimate)
Pricing	Free plan
Website	nerdwallet.com
Facts checked	14 Nov 2026

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NerdWallet Mortgage Calculator vs the competition

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Featured on iTechGuides

NerdWallet Mortgage Calculator is listed in our Mortgage Calculator Apps directory. Add the badge to your site — it links back to this page.

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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 14 Nov 2026 · How we research and update