Advanced Mortgage Calculator

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Mortgage Calculator — Buy, Build & Plan with Confidence Buying or building a home is the biggest financial decision most people ever make. Mortgage Calculator turns the guesswork into clear, instant answers — so you walk into your lender's office already knowing your numbers. Whether you're a first-time buyer, refinancing, eyeing a second home, or breaking ground on a new build, everything you need is in one beautifully simple app. No account required. No subscription. INSTANT, ACCURATE PAYMENTS • See your full monthly payment (PITI) update live as you drag sliders for price, down payment, and rate • Add property taxes, homeowners insurance, PMI, HOA dues, and utilities for a true all-in cost • View a complete amortization schedule — watch principal, interest, and payoff over time SAVE, COMPARE & TRACK • Save unlimited scenarios and compare them side by side with clear charts • Down Payment Goal Tracker — set a target and watch your progress • Buying Readiness Score (0–100) — see how mortgage-ready you are and what to improve • iCloud sync keeps every scenario on all your devices • Home Screen widget keeps your key numbers a glance away LEARN AS YOU GO • Built-in Learn center with a plain-English glossary of 25+ mortgage terms • Step-by-step "Steps to Buy" guide • Tap "?" on any field for instant, contextual explanations with worked examples from your own numbers PRO TOOLS — one-time purchase, no subscription Unlock a full suite of decision-making calculators: • Refinance Calculator — monthly savings, break-even point, and lifetime interest saved • Rent vs. Buy — compare true cost over 5–30 years with appreciation, equity, and opportunity cost • Affordability Calculator — how much home you can afford from your income, debts, and DTI • Second Home / Investment — the max second or rental property you can afford while carrying your current mortgage, with rental income built in • NEW — Builder Loans — planning a build? Estimate your construction loan and permanent mortgage, compare single-close vs. two-close, check your down payment, and learn how the whole process works, step by step • Closing Cost Estimator — itemized estimates for conventional, FHA, and VA loans • ARM vs. Fixed — compare a 5/7/10-year ARM to a fixed rate across the life of the loan • Advanced Cost Estimator — add HOA, utilities, and state-level estimates to any scenario BUILT FOR EVERYONE • Clean, native design that's fast and easy to use • Full Spanish language support • Rate alerts, PDF export, and more • Your data stays private — no sign-up, no tracking Download Mortgage Calculator today and know your numbers before you sign.