Built for clarity,
not commissions
CalcHome is an independent financial calculator tool — free to use, free of ads, and free of any lender relationships.
What is CalcHome?
CalcHome is a free online mortgage and financial calculator built for homebuyers, borrowers, and anyone trying to understand the real cost of a loan. We give you the numbers — clearly and instantly — so you can make informed decisions before talking to a lender.
We don't sell leads, accept referral fees, or push any particular lender or product. Our only job is to give you accurate, unbiased calculations.
Accurate
Standard industry formulas. Same math your bank uses.
Transparent
Every formula is documented. No black boxes.
Private
All calculations happen in your browser. We store nothing.
How our calculator works
Our mortgage calculator supports two industry-standard repayment methods: Equal Payment (fixed monthly installments, the most common structure in the US, UK, and Europe) and Equal Principal (fixed principal repayment per month with declining interest, common in parts of Asia and Europe).
Enter your home price, down payment, interest rate, and loan term — and get an instant breakdown of your monthly payment, total interest paid, full amortization schedule, and a rate sensitivity table showing how your payment changes if rates move.
A note on our numbers
CalcHome is an educational tool. Our calculations are based on the inputs you provide and standard amortization formulas. They do not account for property taxes, homeowner's insurance, HOA fees, PMI, or other costs that may be part of your actual monthly payment.
Always verify figures with a licensed mortgage professional before making any financial commitment.
Try the calculator
See your monthly payment, total interest, and full amortization schedule in seconds.
Open Mortgage Calculator