Mortgage Calculator

Mortgage Calculator is your all-in-one financial toolkit designed exclusively for the United States. It combines a powerful mortgage & loan calculator with calculators for home affordability, HELOC & refinance, investment & ROI, retirement planning (401(k), IRA), salary & net pay, and debt payoff. Every calculation follows US-specific rules and works offline—no account or data sharing required.

🏡 Mortgage & Loan Calculator
• Compute monthly, bi-weekly and custom payments for mortgages, auto loans, personal and student loans. Include PITI (principal, interest, taxes and insurance) and PMI to see the real cost of your loan.
• Generate full amortization schedules showing principal vs. interest over time.
• Add one-time or recurring extra payments to plan an early payoff and save interest.
• Supports different compounding and payment frequencies and multiple loan types.

🏠 Home Affordability Calculator
• Estimate the maximum home price, loan amount, monthly payment and required down payment you can afford using income, debts, interest rates, property tax and insurance.
• See how taxes and insurance affect your budget and perform reverse calculations to solve for unknown values.

🔁 HELOC & Refinance Tools
• Compare your current mortgage to new terms to see savings in monthly payment, total interest and payoff time.
• Model HELOC draw periods, repayment schedules and payoff strategies.

📈 Investment & ROI Calculator
• Project future value with compound interest or calculate returns on deposits, dividend stocks, bonds, currencies and cryptocurrencies.
• Adjust starting amount, monthly contributions and return rate to see your wealth grow, and compare multiple scenarios.

👵 Retirement Planner (401k & IRA)
• Plan your retirement or FIRE journey with year-by-year projections.
• Test different retirement ages, Social Security claiming strategies and contribution rates. Includes tax-deferred (401(k), IRA) and tax-free (Roth) accounts, pensions and RMDs.

💵 Salary & Net Pay Calculator
• Enter your hourly wage or salary, choose any pay period (daily, weekly, bi-weekly, semi-monthly, monthly, quarterly or yearly) and set your W-4 filing status to see your take-home pay instantly.
• Supports overtime, tips, commissions and pre- and post-tax deductions like 401(k), HSA, FSA, Roth 401(k) and union dues.
• Includes a budget planner with charts to visualize income vs. expenses and works completely offline.

💳 Debt & Credit Card Payoff
• Estimate payoff time, interest cost and savings for credit cards and loans.
• Model one-time or recurring extra payments to become debt-free faster.

🌟 Why Choose This App
• US-specific & private: uses US-specific tax estimates and amortization methods; all calculations run locally.
• Comprehensive & flexible: mortgage, HELOC, loan amortization, home affordability, investment ROI, retirement planning, salary/net pay and debt payoff—all in one app.
• Interactive charts & exports: visualise results and export schedules or reports.
• Free with optional upgrade: core features are free; a one-time upgrade removes ads.

Download Mortgage Calculator today to take control of your mortgage payments, plan for retirement, see your net pay after taxes, estimate how much house you can afford and track your investments.

This app provides estimates for educational purposes only; always consult a financial professional before making decisions.