Beelinger Mortgage Calculator

Beelinger Mortgage Calculator is the honest mortgage calculator most home buyers wish they had before they signed. It runs every number locally on your device, shows the assumptions in plain English, and teaches you why each variable matters.

★ HONEST MATH, NO UPSELL ★

Every calculation happens on your phone. Nothing is sent to a server. There is no account, no sign-in, and no ad targeting. We will never sell what you type.

★ WHAT YOU CAN DO ★

• Calculate a complete monthly payment: principal, interest, property tax, home insurance, HOA, and PMI.
• See a clean pie-chart breakdown of where every dollar goes.
• View a full month-by-month amortization schedule with a PMI drop-off marker, and export it as CSV.

• Run six advanced tools: Affordability (28/36 rule), Refinance with break-even analysis, Adjustable-Rate Mortgage with up to five rate steps, Bi-Weekly Payment savings, Closing Costs estimator, and Rent vs Buy.

• Compare up to four loan options side-by-side and save scenarios with custom names.

• Generate a branded one-page PDF report and share it by email or messages.

• Read the Beelinger Learn library: six short articles plus a 15-question FAQ written in plain English.

★ BUILT FOR YOUR LIFE ★

• Switch between US, Canada (CMHC), UK (annual rest), and other regions.

• Pick from USD, CAD, GBP, EUR, AUD, INR, or JPY.

• Set the compounding period and rounding mode that match your lender's contract.

• A premium dark-mode-first design that feels at home on Pixel and Samsung devices.

★ THE BEELINGER FREEDOM INSIGHT ★

Pay an extra $200 a month and you'll save more than six years and over $100,000 in interest on a typical 30-year loan. Beelinger Mortgage shows you these trade-offs the moment you adjust the slider — no spreadsheet required.

★ BUILT BY BEELINGER ★

Beelinger helps people get better at managing their money. Our web mortgage calculator at beelinger.com is used by thousands of buyers every month. This app brings the same calculator into your pocket — plus six advanced tools and a learn library — so you can run the numbers anywhere, on your terms.

Questions, bugs, or feature requests? Open Settings → Send Feedback inside the app, or email us at admin@beelinger.com.