About HomePaymentHQ
HomePaymentHQ builds free, instant calculators for the most stressful financial decision most people ever make: buying a home. Our tools are designed to be transparent — every number is calculated client-side using the exact same amortization math your lender uses, so you can verify what's behind the scenes.
Why we built this
Most mortgage calculators online are either overwhelming, hidden behind signup walls, or buried in upsells. We wanted a calculator that loads fast, works on a phone, and gives you a real PITI breakdown — including PMI, HOA, and the impact of extra payments — without making you create an account.
Our methodology
Principal and interest are calculated using the standard fixed-rate amortization formula (M = P × r(1 + r)n / ((1 + r)n − 1)). Property tax, insurance, and PMI estimates use industry averages but you can override every value to match a specific quote. We don't store your inputs on a server — they're saved locally in your browser only.
Disclosures
HomePaymentHQ is supported by display ads and lender affiliate partnerships. We may earn a commission when you click certain links and complete an action with the lender, at no cost to you. Our calculations and editorial decisions are not influenced by these partnerships.
The tools and content on this site are for educational purposes only and do not constitute financial, legal, or tax advice. Always consult a licensed mortgage professional before making a decision.
Get in touch
Found a bug, want a new calculator, or have feedback? Email us at hello@example.com.