Mortgage & Loan Calculator

A mortgage calculator that respects your time and tells you the truth — without a single lender lead form.

See the **true** monthly cost of buying a home — principal, interest, taxes, insurance, HOA and PMI — not just a teaser P&I number. Built for U.S. buyers in 2026 with current PMMS rate anchoring, every major loan type, and zero account requirement.

✓ **PITI mortgage payment** with principal, interest, taxes, insurance, HOA and PMI
✓ **Conventional / FHA / VA / USDA** loan types with correct insurance rules (PMI 78% auto-drop, FHA life-of-loan MIP, VA funding fee, USDA annual fee)
✓ **ARM modelling** — 5/1, 7/1, 10/1 with worst-case payment shock under 2/2/5 caps
✓ **Affordability calculator** — 28/36 (Comfortable) vs 31/43 (Stretched, QM-rule) DTI with co-borrower income
✓ **Refinance break-even** months, lifetime savings, one-sentence verdict
✓ **Discount points** with effective rate + break-even months
✓ **Biweekly payment** modelled honestly as "one extra payment per year"
✓ **State-specific** tax & insurance defaults for all 50 states + DC
✓ **PMI-to-20%** and **rate-sensitivity** previews ("what if I put more down")
✓ **Share to iMessage / Mail / Slack** or one-tap copy to clipboard

**Your numbers stay yours.** Mortgage Calc runs 100% on-device. No account. No signup. No tracking. No lender referrals. No "rates as low as" theatre. We can't see your home price, your salary, or your debt — because nothing is uploaded.

**Built for the moments that matter:**
First-time buyers stress-testing a 7/1 ARM before locking. Refinance shoppers checking break-even before the rate moves. Investors running affordability across a co-borrower. Anyone tired of mortgage calculators that demand an email and a phone number before showing a payment.

Rates anchored to **Freddie Mac PMMS** weekly survey with an explicit "as of {date}" stamp — no false real-time, no hidden lead-gen.

**Why an offline mortgage calculator matters:** lender-funnel calculators farm your rate-shopping intent and sell it. We don't have a server to do that with. Open the app, pick your loan type, see your number. Done.

Download free now — no signup, no upload, no nonsense.