Mortgage Calculator: Loan

Mortgage Calc is a fast, private mortgage calculator built for U.S. buyers and owners who just want honest numbers — not a sales funnel. Most "free" mortgage calculators exist to harvest your name, phone number, and email for loan officers. This one doesn't. There is no sign-up, no account, and no lead form. Everything runs offline on your device, and your inputs never leave your phone. WHAT IT CALCULATES • Full monthly payment (PITI) — principal, interest, property tax, and homeowners insurance, broken down line by line. • PMI / MIP — automatic private mortgage insurance when you put down less than 20%, plus FHA mortgage insurance premiums. • Loan types — Conventional, FHA, VA, and USDA, each with its own rules and down-payment minimums applied for you. • ARMs — 5/1, 7/1, and 10/1 adjustable-rate mortgages modeled under the standard 2/2/5 cap structure so you can see the worst-case payment path. • Amortization schedule — a full year-by-year (or month-by-month) table plus a principal-vs-interest chart and a running balance/equity view. • Refinance break-even — compare your current loan to a new offer and get a plain-English answer on whether and when refinancing pays off. • Affordability — work it two ways: "I can pay $X/month, what home price is that?" or "I earn $X/year, what would a lender approve?" (DTI-based). • Compare scenarios — put two setups side by side: 15- vs 30-year, more down vs less down, extra principal vs not. • Biweekly payments — see how 26 half-payments a year shorten your loan and cut total interest. • Closing costs, discount points, extra monthly principal, HOA, and state-specific tax/insurance defaults. WHY PEOPLE LIKE IT • 100% offline — no network needed, nothing uploaded. • No lender funnel — no forms, no spam calls, no "get pre-approved" traps. • No account, no tracking — we don't track you across apps or websites. • Clean and calm — one clear monthly number up top, details when you want them. • Optional one-time "Remove Ads" purchase. No subscriptions, ever. WHO IT'S FOR First-time buyers trying to understand the real monthly cost. Owners weighing a refinance. Anyone comparing FHA vs conventional, or 15- vs 30-year, or how much extra principal actually saves. A NOTE ON ACCURACY Mortgage Calc gives estimates for planning and education only. Results are not a loan offer, a pre-approval, or financial advice. Actual rates, taxes, insurance, PMI, and fees depend on your lender, location, and credit. Always confirm final figures with a licensed professional before making decisions. Built quietly, by one person, to do one thing well: give you the numbers, and get out of your way.