Find Your Perfect Mortgage Rate

Compare mortgage offers from multiple lenders with our advanced calculator. Handle complex rate schedules, calculate true costs, and save thousands on your home loan.

100% Free Tool
No Registration Required
Instant Results
Start Comparing Now

Why Compare Mortgages?

$50,000+
Average savings over loan lifetime
0.5%
Rate difference can save thousands
15 mins
Time to compare multiple offers

Why Our Mortgage Calculator Stands Out

Unlike basic mortgage calculators, our tool handles real-world complexity and gives you the complete picture.

Flexible Rate Schedules

Handle complex mortgages with changing rates over time. Perfect for ARM loans, promotional rates, and step-up mortgages that other calculators can't manage.

Fast & Accurate Results

Get precise calculations instantly with industry-standard amortization formulas. See exactly how each mortgage option affects your finances over time.

Extra Payment Impact

See exactly how extra payments affect your mortgage across different lenders. Calculate time and interest savings with precision.

Total Cost Analysis

Go beyond monthly payments. Compare total interest paid, payoff times, and true cost of each mortgage option over the full loan term.

Privacy Focused

All calculations happen in your browser. No personal data stored, no sign-ups required, no tracking. Your financial information stays private.

Instant Comparisons

Real-time calculations as you type. Compare unlimited mortgage offers side-by-side with immediate results and clear rankings.

How It Works

Get accurate mortgage comparisons in three simple steps

1

Enter Loan Details

Input your loan amount, term, and any extra payments you plan to make.

2

Add Mortgage Offers

Add each lender's offer with their specific rate schedules and terms.

3

Compare & Save

See detailed comparisons, total costs, and find the best deal for your situation.

Better Than Other Mortgage Calculators

See why thousands choose our advanced mortgage comparison tool

Feature Our Tool Basic Calculators Bank Calculators
Multiple Rate Periods
Compare Multiple Lenders
Instant Calculations
No Registration Required
Unbiased Results
Complex Rate Structures

Start Your Mortgage Comparison

Enter your details below and add mortgage offers to compare

Loan Details
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$
Mortgage Providers

Click "Add Provider" to start comparing mortgage offers

Comparison Results

Results will appear here once you add mortgage providers

Frequently Asked Questions

Our calculator uses industry-standard amortization formulas and provides highly accurate results. However, final mortgage terms may include additional fees, insurance, and taxes not captured in basic rate comparisons.

Yes! We automatically save all your changes in your browser as you work, so you won't lose your progress. You can also export your mortgage comparisons as text that you can copy and save anywhere (like in a note or email), then paste it back to import your comparisons later or on different devices. All data is stored locally in your browser for privacy, keeping your financial information secure.

Bank calculators are designed to promote their own products. Our tool is completely unbiased and can handle complex rate structures that most basic calculators can't manage, like ARM loans with multiple rate periods.

Yes, completely. All calculations happen in your browser - no data is sent to our servers. We don't collect, store, or share any of your financial information.

Ready to Find Your Best Mortgage Rate?

Join thousands who have saved money by comparing mortgage offers with our advanced calculator.

Start Comparing Now - It's Free