I built this because every time I tried to run mortgage numbers for myself or family, I ended up with five tabs open, a bunch of generic calculators, and still no clear answer. The tools either felt built for banks or were so basic that I had to do a bunch of extra math on the side. It shouldn’t be that hard to figure out if you can afford this place or does this refinance actually make sense? The main problems I’m trying to solve? Generic calculators that don’t match real‑world scenarios (FHA vs VA vs conventional, different down payments, different states), and tools that give you numbers but not context. People don’t just need a monthly payment; they need help understanding tradeoffs and decisions. My approach evolved a lot while working on this. I started with one simple mortgage calculator, then kept noticing edge cases: different loan types, state differences, “what if I change my down payment by a little bit?” That pushed me toward building many small, focused calculators instead of one giant one. I also thought it would be mostly about code at first, but it turned into a writing project too. The biggest improvement came from adding plain‑English explanations and “how to use this” sections, not new math. Along the way I’ve broken things, rolled them back, and learned to slow down, ship in small batches, and test like a real user who’s just trying to make a big life decision at 2am.

Free Online Calculators

Free mortgage and home‑buying calculators made simple

Free mortgage and home‑buying calculators made simple