Most mortgage calculators assume a steady W-2 paycheck. Morgly is built around the reality that self-employed and freelance income gets calculated differently by lenders. Features: - Full monthly payment calculator — includes property tax, insurance, PMI, and HOA (not just principal & interest) - Affordability calculator using the 28/36 rule - 13 guides covering self-employed-specific topics: bank statement loans, DTI calculations, business structure, and more No signup, no lead forms, no ads