Advanced Mortgage Calculator

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.