A mortgage calculator helps you estimate monthly payments, understand amortisation, and compare loan scenarios before committing to one of the largest financial decisions of your life. We've tested the leading free calculators available online.
Our Top 7 Picks
Bankrate Mortgage Calculator
Best Comprehensive Mortgage Calculator
Includes taxes, insurance, PMI, and HOA in calculations
Full amortisation schedule with monthly breakdown
Side-by-side loan comparison tool
Refinance and affordability calculators included
Trusted by millions — editorial content from finance experts
NerdWallet Mortgage Calculator
Best for First-Time Buyers
Clean interface designed for people new to mortgages
Estimated monthly payment includes all housing costs
Shows how much house you can afford based on income
Connected to live rate comparison from multiple lenders
Educational content alongside the calculator
Zillow Mortgage Calculator
Best for Real Estate Browsing
Integrated with Zillow property listings
Auto-populates local tax rates and insurance estimates
Compare loan scenarios side by side
Pre-qualification from Zillow Home Loans in minutes
Mobile-friendly with seamless app integration
Calculator.net Mortgage Calculator
Best for Detailed Amortisation
Detailed amortisation table with annual and monthly views
Extra payment calculator shows payoff acceleration
Multiple mortgage types: fixed, adjustable, interest-only
No account required — results are instant
Clean, fast-loading, ad-supported but functional
Mortgage Calculator (mortgagecalculator.org)
Best Visual Payment Breakdown
Interactive charts showing payment breakdown over time
Includes property tax and homeowner's insurance
Extra payment impact visualisation
Rental comparison calculator
Simple, no-frills interface focused on clarity
Freddie Mac Mortgage Calculator
Most Trusted Government-Backed Tool
Backed by a US government-sponsored enterprise
Straightforward and unbiased — no lender partnerships
Includes affordability and rent vs buy calculators
Educational resources for first-time homebuyers
Reliable data with no hidden agenda
DesignForge360 Mortgage Calculator
Best Free Browser-Based Calculator
Clean, fast mortgage calculator with instant results
Amortisation schedule with visual breakdown
100% browser-based — no data uploaded or stored
Compare different loan scenarios easily
Mobile-friendly and completely free
Which Calculator Should You Use?
For comprehensive calculations including taxes, insurance, and PMI, Bankrate is the gold standard. First-time buyers should start with NerdWallet for its educational approach. If you're already browsing listings on Zillow, their integrated calculator is most convenient. For pure amortisation detail, Calculator.net provides the deepest breakdowns.
Need a quick estimate right now? Try our free Mortgage Calculator.
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