Mortgage Calculator & Payoff

A mortgage calculator that shows the whole loan — not just the monthly payment.

Run the numbers on a home loan in about a minute. See what you will really pay each month, how your balance falls over time, and what changes when you pay extra, refinance, or take on an adjustable rate.

One house payment calculator for the whole decision: monthly PITI payment, amortization schedule, refinance break-even, affordability, and rent vs. buy.

WHO IT'S FOR
• Homebuyers: Know the real monthly cost, closing costs, and down payment impact before you tour.
• Refinancers: See the exact break-even month before paying closing fees.
• Agents & Loan Officers: Send a branded, professional estimate in seconds.

THE PAYMENT, DONE PROPERLY
• Principal and interest, property tax, homeowners insurance, PMI, and HOA in one combined monthly figure
• Closing costs, discount points, cash to close, and APR — the real cost of borrowing, not just the note rate
• Conventional, FHA, and VA loans (with funding fee, disability exemption, and prior-use options)
• Optional cent rounding that matches an actual servicer statement
• Live estimate while you type, with every assumed value clearly labeled

SEE THE WHOLE LOAN
• Full amortization schedule, free for everyone
• Extra principal payments — one-time, monthly, or yearly — with a live payoff date and interest-saved preview
• Bi-weekly, weekly, and accelerated bi-weekly payment schedules
• Escrow growth projection for taxes, insurance, and HOA over the term
• Total cost over the life of the loan, including escrow

MAKE THE DECISION WITH CONTEXT
• Refinance break-even: The exact month lower payments offset your closing costs
• ARM reset: See how payments shift if your rate adjusts after the fixed period
• Affordability calculator: Maximum home purchase price based on income, monthly debts, DTI limits, and cash to close
• Rent vs. buy: Net-worth comparison over time with a break-even point, not just basic monthly costs

SAVE, COMPARE, SHARE
• Compare up to four loan scenarios side by side, with the best value highlighted
• Track real mortgages in My Loans: mark payments, add extra principal, and monitor payoff dates
• Share estimates as an image (PNG) or clean PDF summary (Pro)
• Export amortization schedules to CSV for Excel, Google Sheets, or your lender
• Agent Profile: Add your name, photo, brokerage, and NMLS number to shared client cards (Pro)
• Multiple currencies, dark mode, plain-English glossary, and no account required

FREE VS. PRO
Every calculator, schedule, and CSV export is free. The free version saves up to 2 scenarios and tracks 2 active loans. Pro removes ads, unlocks unlimited scenarios/loans, and enables branded PDF sharing.

Estimates are for illustrative purposes only and do not constitute a loan offer, approval, or financial advice. Your data stays securely stored on your device.

Questions or feedback? Reach us at storelineapps@gmail.com.

Recent changes:
• Live estimate on the first screen as you type
• Amortization CSV export for Excel and Sheets
• Refinance break-even plus closing costs, points, and APR
• Escrow growth and ARM reset scenarios
• Redesigned results, schedule, and saved-loan screens
• Affordability and rent-vs-buy planners

Thanks for the feedback — keep it coming.