M

Your mortgage is more than a payment.

Understand the cost, compare your options, and make smarter mortgage decisions.

Your mortgage

Adjust to see the calculated financial impact.

Down Payment
Loan Term30 years

Estimated Monthly Payment

$2,528/mo

Total Interest

$510,178

Payoff Time

30 years

Principal

$400,000

LTV

80.0%

Estimated balance trajectory
Mortgage trajectory comparisonThe solid line shows the current engine-calculated balance over time. The dashed line shows the previous assumptions for comparison.
Today30 years

Quick Scenarios

What are you trying to decide?

Buy a homeLower my paymentPay less interestPay off fasterRefinanceCompare mortgages

Don't just calculate. Decide.

A home loan isn't a single number. It's a decades-long commitment. Explore your scenarios before you sign.

Step 01

Calculate

See your calculated mortgage payment.

Open calculator →
Step 02

Understand

See exactly where your money goes with full amortization.

View amortization →
Step 03

Compare

Run side-by-side analysis of different rates and terms.

Compare options →
Step 04

Optimize

Explore the effect of extra payments to save interest.

Model extra payments →
Step 05

Stress-test

See what happens to your budget if conditions change.

Stress-test payment →
Step 06

Track

Keep your mortgage decision available in your dashboard.

Open dashboard →
Trust & Privacy

Private by default.
Transparent calculations.

Your mortgage calculations stay in your browser. No lender bias, no lead generation—just transparent, country-aware calculations you can inspect.

Local-first Storage

Your scenarios and tracked loans are stored strictly on your device. They are never sent to a server.

Engine Tested

Calculations are tested against country-specific calculation rules and reference cases.

Methodology Accuracy Standard Sources & Guides Mortgage Guides Country Mortgage Models