Mortgage calculators that tell you the truth.
Real PITI payments with PMI and escrow. Refinance break-even. FHA vs conventional side-by-side. Pre-approval readiness quiz. Built by people who've closed loans — not a calculator that hides the assumptions.
Monthly payment & affordability
Figure out what you can actually afford and what your real monthly check will look like.
Compare loan types
Side-by-side comparisons across loan programs, terms, and rate structures.
Loan programs
VA, FHA, USDA, jumbo, second mortgages, HELOCs, and specialty loans.
Refinance & payoff
Refi math, recasts, cash-out, extra payments, payoff targeting.
Costs, taxes & insurance
All the line items people forget until closing day.
Buyers & planners
Timelines, checklists, and savings plans for first-time and move-up buyers.
Investors & sellers
Rental math, seller net, and deciding whether to sell or rent your current home.
Why we built Mortgage Hub
Most mortgage calculators online are rate-lead-gen traps. You get a pretty monthly number that leaves out PMI, taxes, homeowners insurance, and HOA — then six lenders call you an hour later. We built the opposite: 40 calculators, comparison tools, and checklists that show you the full number, explain the assumptions, and do not require your email.
Every tool runs client-side. Nothing you type leaves your browser. You can print or PDF any result. If you want to compare real rates from lenders, we link out to Rocket Mortgage, LendingTree, Better.com, NerdWallet, and Credit Sesame — and yes, those are affiliate links. They are clearly marked. They do not change the math anywhere on the site.
If you are just starting: run the affordability calculator first, then the pre-approval readiness quiz, then the closing cost estimator so you know the all-in cash needed at closing. If you already own a home: the refinance break-even calculator and amortization analyzer are the two highest-value tools on the site.