About Us

Mortgage Calculator is a free online tool designed to help homebuyers in the United States estimate their true monthly mortgage payment — not just principal and interest, but the complete picture.

Buying a home is one of the biggest financial decisions most people will ever make. Yet many online calculators show only the "P&I" (Principal & Interest), leaving buyers surprised when they see the final bill from their lender.

What Makes Our Calculator Different

Our calculator shows the full PITI breakdown:

• Principal — the amount you borrow
• Interest — the cost of borrowing the money
• Taxes — annual property taxes, divided monthly
• Insurance — homeowners insurance, divided monthly

We also automatically calculate PMI (Private Mortgage Insurance) when your down payment is below 20%, and include optional HOA fees so your estimate reflects what you'll actually pay each month.

Our Mission

Our goal is simple: give homebuyers an honest, accurate estimate so they can make informed decisions with confidence. No sign-up, no hidden data collection, no unnecessary complexity — just a fast, reliable calculator that works on any device.

How It Works

All calculations are performed directly in your browser. The numbers you enter (home price, down payment, interest rate, taxes, etc.) are never sent to our servers and are never stored. Your financial information stays private on your own device.

Contact

Have a suggestion or found a bug? We'd love to hear from you. Visit our Contact page to get in touch.