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Mortgage Calculator Pro
Live Rates
30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|

About Mortgage Calculator Pro

We help home buyers and homeowners make smarter financial decisions with free, accurate mortgage calculators and expert educational content — no signup required, no sales calls, ever.

Our Mission

Buying a home is one of the biggest financial decisions you'll ever make. Yet most people go into it without fully understanding what they'll actually pay each month. Hidden costs like property taxes, homeowner's insurance, PMI, and HOA fees can add hundreds of dollars to your monthly payment.

That's why we built Mortgage Calculator Pro — to give everyone access to a truly comprehensive mortgage calculator that shows the real monthly payment, not just a teaser rate. No signup required, no hidden fees, no sales calls. Just accurate numbers so you can make informed decisions.

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Accurate

Our calculator includes taxes, insurance, PMI, and HOA — the costs other calculators leave out.

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Private

No signup, no email, no phone number. Your data stays on your device. Period.

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Educational

Expert guides on FHA, VA, USDA loans, refinancing, first-time buying, and more.

Our Team

James Chen — Founder & Senior Mortgage Analyst

10+ years in mortgage and real estate finance. Former analyst at a top-10 US mortgage lender. Covers mortgage rates, loan programs, and home buying strategies.

Sarah Mitchell — Senior Content Editor & Mortgage Specialist

8+ years writing about personal finance and mortgages. Previously contributed to Bankrate and NerdWallet. Specializes in making complex mortgage topics accessible to first-time buyers.

Technical Review Board

All calculator algorithms and educational content are reviewed by NMLS-licensed mortgage professionals to ensure accuracy and compliance with current lending standards.

What We Offer

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Full PITI Mortgage Calculator

Principal, interest, taxes, insurance, PMI, and HOA — all in one place

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Amortization Schedule

Full printable payment breakdown by month and year

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Affordability Calculator

How much house can you really afford?

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Refinance Calculator

Break-even analysis and savings projection

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PMI & DTI Calculators

Private mortgage insurance and debt-to-income analysis

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Expert Guides & Blog

20+ in-depth articles on mortgages, rates, and home buying

100K+
Calculations Run
14
Free Calculators
7
Years of Rate Data

Editorial Standards & Accuracy

All content on Mortgage Calculator Pro is created following strict editorial guidelines:

  • •Calculator algorithms are audited quarterly against Freddie Mac and FHA formulas
  • •Rate data is sourced from Freddie Mac Primary Mortgage Market Survey and Federal Reserve Economic Data
  • •All educational content is reviewed by NMLS-licensed mortgage professionals
  • •We maintain strict editorial independence — no advertiser or affiliate influences our content
  • •Content is updated quarterly or when significant market changes occur

Have Questions?

We'd love to hear from you. Reach out to our team anytime.

Contact Us →