Toolkit Feature

Mortgage calculator with a full amortization schedule

See your estimated monthly payment and exactly how it breaks down into principal and interest over the life of the loan — offline, with no sign-in.

Download on the App Store Back to toolkit overview

Overview Mortgage Calculator Affordability Rent vs. Buy Extra Payments Cost of Living Utility Costs Moving Checklist

Know your real monthly payment

Enter a loan amount, interest rate, and term to get an estimated monthly payment instantly. The calculator accounts for the full loan structure, not just a rough estimate.

Full amortization schedule

Principal vs. interest — see how much of each payment goes toward the loan balance versus interest.
Year-by-year breakdown — track the loan balance as it decreases over the loan term.
Total interest paid — understand the full cost of the loan, not just the monthly number.

Works alongside the rest of the toolkit

Pair the mortgage calculator with the affordability calculator to check what you can reasonably borrow, or the extra payment calculator to see how paying more each month shortens the loan.

Who it's for

Prospective homebuyers comparing loan offers, current homeowners evaluating a refinance, and anyone who wants to understand a mortgage's true cost before signing.

Frequently asked questions

Does it show a full amortization schedule?

Yes. The mortgage calculator breaks down each payment into principal and interest over the full life of the loan, so you can see how the balance changes over time.

Do I need an internet connection?

No. The mortgage calculator works fully offline, so you can run the numbers anywhere, including while touring homes.

Can I save or share a calculation?

Yes. You can save calculation scenarios and share them, useful for comparing offers or discussing numbers with a partner or lender.

Get the Home Buying & Moving Toolkit

Free download for iPhone, iPad, Mac, and Vision Pro.

Download on the App Store