by tuditools.com

Free Mortgage Calculators

Payment calculators, refinance analysis, ARM vs fixed comparisons, FHA, VA, jumbo loans, and more. Make smarter mortgage decisions.

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Mortgage Payment Calculator

Calculate your total monthly mortgage payment including principal, interest, taxes, insurance, and PMI.

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Mortgage Refinance Calculator

Compare current vs new mortgage terms. Find your monthly savings, total savings, and breakeven point.

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ARM vs Fixed Rate Calculator

Compare adjustable-rate vs fixed-rate mortgages. See initial savings and worst-case ARM scenarios.

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FHA Loan Calculator

Calculate FHA loan payments with upfront and annual mortgage insurance premiums included.

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VA Loan Calculator

Calculate VA loan payments with funding fee. See savings vs conventional loans with no PMI required.

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Jumbo Loan Calculator

Calculate payments for jumbo loans exceeding conforming limits. Compare jumbo vs conforming scenarios.

Mortgage Prepayment Calculator

See how extra payments reduce your mortgage term and save on interest over the life of the loan.

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Home Equity Calculator

Calculate your available home equity, maximum HELOC amount, and estimated monthly payments.

Why MortgageCalcTools?

100% Free

Every calculator is completely free. No sign-ups, no credit card, no hidden fees ever.

Privacy First

All calculations happen in your browser. Your financial data never leaves your device.

State-Specific Data

Property tax rates, conforming limits, and market data tailored to all 50 US states.

Instant Results

No loading, no server calls. Get your results the moment you click calculate.