Mortgage MindscapeSmart Financial Calculators
5 Free Professional Tools

Calculate YourMortgage with Confidence

Free, accurate mortgage calculators with live market rates and complete amortization schedules. Make informed decisions about your biggest investment.

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Free to Use

Current Mortgage Rates
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Rate Context

Historical 50-year average: 7.74% | Record low: 2.65% (Jan 2021) | Record high: 18.63% (Oct 1981)

Rates shown are national averages for illustrative purposes. Your actual rate will depend on your credit profile, lender, and loan specifics. This is not an offer to lend.

Free Mortgage Tools

Professional-grade calculators to help you make informed decisions.

Mortgage Calculator

Calculate monthly payments with taxes, insurance, and PMI

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FHA Loan Calculator

Calculate FHA mortgage payments with MIP (3.5% down minimum)

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VA Loan Calculator

0% down VA loan calculator with funding fee estimation

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Conventional Loan Calculator

Calculate conventional mortgage with removable PMI

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Debt-to-Income Calculator

Check if you qualify for a mortgage based on DTI ratio

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Income Tax Calculator

Calculate income tax for US Federal and Pakistan (2025-2026)

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Affordability Calculator

Find out how much home you can afford based on income

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Rent vs Buy Calculator

Compare renting vs buying with detailed financial analysis

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Closing Cost Calculator

Estimate total closing costs and cash needed at closing

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Home Equity Calculator

Calculate your equity and borrowing capacity (HELOC, loans)

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Mortgage Points Calculator

Analyze if buying discount points is worth the cost

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ARM vs Fixed Calculator

Compare adjustable-rate vs fixed-rate mortgages

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Loan Comparison Tool

Compare multiple mortgage offers side-by-side

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Early Payoff Calculator

Calculate savings from making extra mortgage payments

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Get personalized mortgage rate matches

Free, no obligation — enter basic details to see options from top lenders.

No credit impact
100% secure
Instant quotes

Everything You Need to Plan Your Mortgage

Professional-grade tools trusted by homebuyers and real estate professionals alike.

Accurate Calculations
Industry-standard formulas for precise monthly payments, including taxes, insurance, and PMI.
Refinance Analysis
Compare your current loan with refinance options to find potential savings and breakeven points.
Visual Amortization
Interactive charts showing balance over time, principal vs interest, and payment breakdown.
Export & Share
Download your amortization schedule as CSV/JSON or share via link.
Live Market Rates
Real-time mortgage rates from Federal Reserve data, updated weekly.
Privacy First
All calculations happen in your browser. We never store your financial data.

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How It Works

Get your mortgage estimate in three simple steps.

1

Enter Details

Input your home price, down payment, and interest rate

2

View Results

See your monthly payment breakdown and amortization schedule

3

Compare Options

Explore different scenarios and export your analysis

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Frequently Asked Questions

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