Mortgage math, made clear.
MortgageLoansCalculator.com is a free, independent library of 55 mortgage calculators and plain-English guides. We exist to turn the intimidating numbers behind a home loan into decisions you can actually make.
What we do
Buying or refinancing a home is the largest financial decision most people ever make — and the math is deliberately opaque. We build fast, transparent calculators that show not just the answer but how it was reached: the formula, a worked example, and the full amortization schedule behind every payment.
Every tool runs instantly in your browser. There is no sign-up, no paywall, and nothing you enter ever leaves your device.
How we build calculators
Each calculator uses the same standard time-value-of-money formulas that lenders and loan officers rely on — Excel-compatible PMT, present value and amortization math. We document the exact formula on every page and pair it with a worked example so you can verify the logic yourself. Read more in our methodology.
How we make money
The calculators and guides are free. We may earn revenue from advertising or from partners we believe are genuinely useful to readers. That never changes the math, and it never determines which answer a calculator gives — the formulas are fixed and public.
The editorial team
MortgageLoansCalculator Editorial Team
Research & editorial
Our editorial team builds and documents every calculator and guide on the site, using the standard time-value-of-money formulas lenders rely on. We write in plain English, cite our sources, and update guidance as rates, limits and rules change.
Ready to run your numbers?
Start with the mortgage calculator or browse the full library.