Free mortgage planning tool
Calculate YourMortgageBefore You Buy
Estimate monthly payments, compare loan scenarios, and plan your home purchase with confidence.
Built for clarity
Mortgage planning without friction.
Mortgage Calculator
Estimate principal, interest, taxes, insurance, and HOA in one clean payment view.
Affordability Calculator
Check how income, debts, and down payment can shape your home-buying range.
Refinance Calculator
Compare current and new loan scenarios to understand savings and break-even timing.
Extra Payment Planner
See how additional monthly payments may reduce interest and shorten payoff time.
Loan Comparison
Review payment and interest differences across multiple loan options.
Amortization Schedule
Understand how each payment is split between principal and interest over time.
Interactive calculator
Estimate your monthly mortgage payment.
Estimated monthly payment
This calculator is for educational and planning purposes only and is not financial advice. Actual payments, rates, taxes, insurance, fees, and lender terms may vary.
HomeLoan Compass Android app
More mortgage planning in your pocket.
HomeLoan Compass turns the same payment clarity into a fuller planning workflow, with focused tools for affordability, refinance decisions, loan comparison, and payoff strategy.
- Affordability planningEstimate a comfortable home price before you tour or apply.
- Refinance decisionsCompare payment changes and break-even timing in a calmer workflow.
- Loan comparisonPlace different rates, terms, and balances side by side.
- Amortization claritySee how principal, interest, and extra payments evolve over time.
Promo video
See HomeLoan Compass in action.
Watch a quick walkthrough of the app experience, then return here to estimate your payment or install HomeLoan Compass.
Watch Promo Video
Keep learning
Educational resources for smarter home buying.
FAQ
Mortgage calculator questions.
Is this mortgage calculator free?
Yes. This landing page includes a free calculator that runs in your browser without registration.
What does the monthly payment include?
The estimate includes principal and interest, monthly property taxes, monthly home insurance, and HOA if entered.
Does this calculator include PMI?
This landing page keeps the calculator focused. For PMI-specific estimates, use the Dicno Labs PMI Calculator or HomeLoan Compass.
Is this financial advice?
No. This page is for educational and planning purposes only. Confirm real mortgage terms with a lender or qualified professional.
Why download HomeLoan Compass?
The Android app gives you additional mortgage planning workflows, including affordability, refinance, loan comparison, extra payment, and amortization tools.
Start planning
Ready to plan your next home?
Use the free calculator or download HomeLoan Compass for complete mortgage planning.