Mortgage & Loan Calculator — PITI, DTI, Amortization & Home Affordability.
Free, offline, no signup. Built for US, Canada, UK, Australia & New Zealand.

Calculate your true monthly mortgage payment in seconds. Buying your first home, refinancing, or comparing loan offers — get accurate results instantly with live FRED mortgage rates.

📲 Calculate. Compare. Save.

🏠 MORTGAGE PAYMENT CALCULATOR

• PITI calculator — principal, interest, taxes, insurance, PMI & HOA
• Full amortization schedule — every payment visualized
• Biweekly mortgage calculator — pay off faster, save thousands
• Extra payment calculator — see how early payments reduce your loan
• Mortgage refinance calculator — compare current vs new loan
• Loan payoff calculator with principal vs interest charts
• Closing cost estimator — know your full cash to close

📊 LIVE MORTGAGE RATES

• Real-time 30-yr & 15-yr fixed rates from FRED (Federal Reserve)
• Compare top US lenders — Chase, Wells Fargo and more
• Weekly tracker — see if mortgage rates are rising or falling
• Full closing cost breakdown with estimated lender fees

💰 HOME AFFORDABILITY & DTI CALCULATOR

• Debt-to-income (DTI) ratio — front-end & back-end
• Home affordability calculator — know your real buying budget
• DTI health gauge — see if you qualify before applying
• Mortgage qualification calculator based on income & debts
• Recommended home price range based on your income
• Rent vs buy calculator — decide with real numbers

🚗 AUTO & PERSONAL LOAN CALCULATOR

• Car loan calculator — any APR, any term
• Compare 36, 48, 60 & 72 month auto loan terms
• Total interest breakdown for every financing option
• Down payment & trade-in value calculator

🧮 20+ FREE FINANCIAL TOOLS

• Home prices by city — median values across US metros
• Property tax calculator by state — interactive US map
• PMI calculator — estimate private mortgage insurance costs
• Credit card payoff — avalanche & snowball methods
• Credit score guide — how FICO scores affect mortgage rates
• FHA vs VA vs Conventional vs Jumbo loan comparison
• Down payment assistance for first-time home buyers
• Top mortgage lenders — current rates compared
• Home insurance — compare top US providers
• AI assistant — instant answers to mortgage questions
• Save calculations — revisit and compare anytime
• 15-year vs 30-year mortgage cost comparison

⭐ WHY HOME BUYERS CHOOSE THIS APP

✓ 100% Free — no subscription, no paywall
✓ Works Offline — no internet needed
✓ Live FRED Rates — real Federal Reserve data
✓ No Account Needed — open and calculate instantly
✓ Privacy First — all calculations on your device
✓ 20+ Tools in One — replaces 5 separate apps
✓ Save Results — revisit your scenarios anytime
✓ AI Assistant — smart mortgage answers on demand
✓ Regular Updates — new features added monthly

✅ PERFECT FOR

• First-time home buyers planning their budget
• Homeowners comparing mortgage refinance options
• Real estate investors calculating property returns
• Car buyers comparing auto loan payments
• Anyone comparing FHA, VA, USDA or conventional loans
• Renters deciding whether to buy or keep renting

🔐 PRIVACY
No financial data stored. All calculations run locally on your device. We never sell your data.

⚠ Informational only. Consult a licensed financial professional before major decisions.