About MortgageCalc

Our Mission

We built MortgageCalc because we were frustrated with every existing mortgage calculator on the internet.

Here's what bothered us:

• NerdWallet, Bankrate, Zillow — Great tools, but they're designed to capture your contact info and sell it to lenders. Try using one without getting a "Get a Quote" popup.
• MortgageCalculator.org — Looks like it was built in 2008. Covered in ads. Hard to read on mobile.
• Calculator.net — Fast and clean, but lacks real-world cost breakdowns (closing costs, maintenance, tax reassessment warnings).

What Makes Us Different

• 🚫 Zero lead generation — We will never ask for your email, phone number, or personal information
• 📊 True Cost of Homeownership — We show you ALL the costs: closing costs, maintenance, escrow, PMI — not just principal and interest
• ⚡ Blazing fast — Pure HTML, CSS, and JavaScript. No frameworks, no bloat. Page loads in under 0.5 seconds.
• 🔒 100% private — All calculations run in your browser. Nothing is sent to our servers.
• 📱 Mobile-friendly — Works perfectly on phones, tablets, and desktops
• 🖨️ Print-ready — Download or print your amortization schedule to share with your spouse, financial advisor, or lender

Our Calculators

• Mortgage Payment Calculator — Calculate your monthly payment with taxes, insurance, PMI & HOA
• Home Affordability Calculator — How much house can you comfortably afford?
• Rent vs Buy Calculator — Should you rent or buy? See the math.
• Extra Payment Calculator — How much do you save by paying extra each month?
• Refinance Calculator — When does refinancing break even?
• Closing Cost Estimator — Estimate closing costs by state
• FHA Loan Calculator — Calculate FHA loan payments with PMI
• VA Loan Calculator — VA loan payments with $0 down
• 15 vs 30 Year Comparison — Which term saves you more?
• ARM Calculator — Adjustable rate vs fixed rate analysis

Accuracy

Our calculations use standard mortgage amortization formulas. State-specific property tax rates are sourced from Census Bureau and Tax Foundation data. Homeowners insurance estimates use national averages from the Insurance Information Institute.

Disclaimer: MortgageCalc provides estimates for informational purposes only. Always consult a licensed mortgage professional for exact figures before making financial decisions.

Contact

Questions, feedback, or suggestions? Email us at: contact@mortgagecalcfree.site