HT Calc is a financial calculator for homebuyers, homeowners, and real estate investors who are tired of "free" tools that exist mainly to collect a lead.

70+ CALCULATORS AND TOOLS

Mortgage and home buying:
- Payment and purchase calculators with full amortization schedules
- Affordability and Income Required — work forward from a budget or backward from target price
- FHA MIP, VA funding fee, and USDA guarantee fee calculators
- Closing Costs Estimator — understand your cash to close
- Extra Payment and Bi-Weekly calculators — see what paying ahead saves
- Rent vs Buy, Cost of Waiting, Seller Net Sheet, Bridge Loan, Reverse Mortgage

Refinance and home equity:
- Rate/Term Refinance with break-even analysis
- Cash-Out Refinance, HELOC, and Home Equity Loan calculators

Real estate investing:
- BRRRR — model buy, rehab, rent, refinance, and repeat cycles
- DSCR — analyze investment properties on property cash flow instead of DTI
- Fix & Flip — ARV, rehab costs, holding costs, and profit margin
- 1031 Exchange — deferral, boot, and basis carryover
- Cap Rate, Cash-on-Cash, IRR, Deal Screener, Exit Strategy Optimizer
- Portfolio Analyzer, Equity Miner, Deal Builder, Rent vs Sell
- Short-term rental analysis, partner waterfalls, cost segregation

Lending and personal finance:
- Auto, auto refinance, student, personal, and business loan calculators
- Debt Payoff (snowball or avalanche), Savings, Budget Planner
- DTI Optimizer, Land Contract, Renovation Project

LLPA-INFORMED PRICING

Most mortgage calculators apply a single average rate to every borrower. HT Calc's pricing engine estimates Loan-Level Price Adjustments using Fannie Mae's publicly available LLPA matrix (effective January 28, 2026; published September 9, 2026), so scenarios reflect how credit score, LTV, loan purpose, and property type move pricing. These are educational estimates, not a quote, pre-approval, or offer of credit; your actual rate comes from a lender. HT Calc is not affiliated with, endorsed by, or sponsored by Fannie Mae. Fannie Mae is a registered trademark of Fannie Mae.

RATE UPDATES

HT Calc shows national average mortgage rates from a weekly industry survey, checked every day for the newest release. When a fresh update is unavailable, the app clearly shows the most recent figure and its date rather than inventing one. Rates are indicative benchmarks for planning, not quotes for your specific loan.

PRIVACY BY DESIGN

- We do not sell your personal data
- There is no "Get Matched with a Lender" button behind your results
- Document scanners process files on your device — original documents are never stored
- Product analytics are consent-gated and can be turned off in Settings
- Export your saved data as JSON or request account deletion anytime

WHAT YOU GET

25+ calculators, Daily Pulse, and Wealth Weather are open to everyone. No account is needed to calculate (create one only to save work across devices), and this app asks for no payment of any kind.

Accounts on Plus and Pro tiers also open extended scenario limits, daily rate tracking with alerts, Financial Hub, full investor toolkit, and PDF/CSV export. If your HT Calc account includes those tiers, simply sign in.

DISCLOSURES & REGULATORY NOTICE

HT Calc is an informational and educational financial calculation suite provided by HassTech LLC. HT Calc is not a mortgage lender, loan originator, broker, depository institution, or investment advisor. All calculations, payments, and rates are estimates for planning purposes only. Actual interest rates, loan terms, closing costs, and credit approval are determined solely by licensed lenders upon underwriting. HT Calc does not discriminate on the basis of any characteristic protected by fair housing or fair lending law.

Built by a mortgage banker who got tired of calculators that existed to harvest leads.

Questions? admin@htcalc.com | htcalc.com