The Giant Calculator

The Giant Calculator is a bank-grade mortgage tool that goes far beyond a simple payment estimate. Whether you're a first-time buyer trying to understand the numbers, a repeat buyer weighing your options, or a real estate pro who needs professional-grade estimates, it gives you full transparency into the true cost of a home loan. ADVANCED LOAN MATH • Conventional, FHA, VA, and Jumbo loan support • FHA: automatic Upfront MIP (UFMIP) and annual MIP with life-of-loan logic • VA: funding fee based on down payment and use status • Conventional: dynamic PMI that automatically drops off as you build equity • Interest-only payment support REGULATORY-STYLE LOAN ESTIMATE • A clear breakdown modeled on the official Loan Estimate format • Estimates origination charges, services, prepaids, and escrows • APR calculated with high-precision math • Built-in glossary explaining terms like escrow, APR, and PMI in plain language • Export a clean PDF to share or print SAVE & COMPARE SCENARIOS • Save loan setups with custom names • Compare scenarios side by side • Best-value indicators highlight the lowest-cost option • Reload any saved scenario to tweak it instantly VISUALIZE EVERYTHING • Donut chart breaking down your monthly payment (P&I, taxes, insurance, PMI, HOA) • Detailed amortization schedule, principal vs. interest over time • Equity graph showing your balance paid down year by year BUILT FOR EVERYONE • Full screen reader support and high-contrast labels • Haptic feedback and smooth, responsive controls • Clean design that's easy to read at a glance No accounts. No ads. Just clear, honest mortgage numbers. The Giant Calculator is a bank-grade mortgage tool that goes far beyond a simple payment estimate. Whether you're a first-time buyer trying to understand the numbers, a repeat buyer weighing your options, or a real estate pro who needs professional-grade estimates, it gives you full transparency into the true cost of a home loan. ADVANCED LOAN MATH • Conventional, FHA, VA, and Jumbo loan support • FHA: automatic Upfront MIP (UFMIP) and annual MIP with life-of-loan logic • VA: funding fee based on down payment and use status • Conventional: dynamic PMI that automatically drops off as you build equity • Interest-only payment support REGULATORY-STYLE LOAN ESTIMATE • A clear breakdown modeled on the official Loan Estimate format • Estimates origination charges, services, prepaids, and escrows • APR calculated with high-precision math • Built-in glossary explaining terms like escrow, APR, and PMI in plain language • Export a clean PDF to share or print SAVE & COMPARE SCENARIOS • Save loan setups with custom names • Compare scenarios side by side • Best-value indicators highlight the lowest-cost option • Reload any saved scenario to tweak it instantly VISUALIZE EVERYTHING • Donut chart breaking down your monthly payment (P&I, taxes, insurance, PMI, HOA) • Detailed amortization schedule, principal vs. interest over time • Equity graph showing your balance paid down year by year BUILT FOR EVERYONE • Full screen reader support and high-contrast labels • Haptic feedback and smooth, responsive controls • Clean design that's easy to read at a glance No accounts. No ads. Just clear, honest mortgage numbers.