Truecost - Mortgage Calculator

Calculate your real mortgage payment with taxes, insurance, PMI & HOA included. No login required. No spam. Just the truth about your home loan.

TrueCost shows you the COMPLETE cost of your mortgage — not just principal and interest, but property taxes, home insurance, PMI, and HOA fees too.

THE PROBLEM WITH OTHER CALCULATORS Most mortgage calculators show you a low monthly payment that doesn't reflect reality. When you get to closing, you're shocked by the true cost. TrueCost fixes this by showing you everything upfront.

WHAT MAKES TRUECOST DIFFERENT

• TRUE TOTAL COST See your real monthly payment with all costs included: Principal, Interest, Taxes, Insurance, PMI, and HOA (PITI + HOA).

• NO LOGIN REQUIRED Full functionality without creating an account. Your data stays on your device.

• NO SPAM We never sell your information or connect you to lenders. Privacy first, always.

• BEAUTIFUL DESIGN Modern, intuitive interface with smooth sliders and real-time calculations. Supports dark mode.

POWERFUL FEATURES

• Interactive payment breakdown chart
• Complete amortization schedule — see every payment for the life of your loan
• Save and compare multiple scenarios
• Extra payment analysis — see how much you save by paying extra
• Payback ratio — understand exactly how much you pay for every dollar borrowed

EDUCATIONAL TOOLS

• Mortgage Glossary: Learn terms like PMI, APR, escrow, amortization, and more
• Home Buying Guide: Step-by-step walkthrough of the buying process

PERFECT FOR

• First-time home buyers exploring their budget
• Homeowners considering refinancing
• Real estate agents showing scenarios to clients
• Anyone comparing different loan options

LANGUAGE SUPPORT

• English
• Spanish (Español)

Download TrueCost now and discover what you'll really pay for your dream home.