Mortgage calculators that tell you the truth
No ads. No signup wall. No selling your information to five lenders. Just the math, done properly, by someone who does this for a living — plus a plain explanation of what the number actually means.
Mortgage payment & amortization
Your real monthly payment including taxes, insurance, PMI and HOA — not just principal and interest. Full amortization schedule, exportable.
Open calculator → Almost nobody has thisWhat rate am I paying?
Work backwards from your payment to find the interest rate. Or solve for payment, loan amount, or term — whichever number you are missing.
Open calculator → Biggest savingBiweekly & extra payments
See the exact interest saved and the years cut off your loan by paying biweekly or adding extra principal.
Open calculator → High stakesRefinance break even
The month your refinance pays for itself — and whether that lower payment is quietly costing you more over the life of the loan.
Open calculator →Why these exist
Most mortgage calculators are a lead capture form wearing a calculator costume. You run a number, and within an hour four lenders you never heard of are calling you. The math itself is usually incomplete too — you get principal and interest, and none of the costs that make up the payment you will actually pay.
These are the tools I use in my own work. They show the whole payment, they show the whole schedule, they solve the problems that come up in real conversations with real borrowers, and they do not sell you to anyone. If they are useful, you can leave me your email and I will send you the results. If not, take your number and go. That is the entire arrangement.
Who is behind this
I am David Shaft, a licensed mortgage loan originator, NMLS #1902049, licensed in 32 states and federally. I have spent my career originating loans and training the bankers who originate them. Most mortgage content is written either by a faceless content farm or by a lender who needs you to take a specific product. I am trying to do the third thing: explain how this actually works, including the parts that are not flattering to the industry I work in.
What is coming
Affordability and DTI, rent versus buy, closing cost estimates, PMI removal timing, and a comparison of conventional against FHA, VA and USDA. Leave your email on any calculator and I will tell you when they land.