Hey Product Hunt! 👋 I built MorgCalc because every mortgage calculator I tried either lowballed the real payment (skipping property tax, insurance, or PMI) or buried the useful stuff behind an email-gate to "see your results." MorgCalc shows your full monthly payment — principal, interest, property tax, and insurance — using state-specific tax rates instead of a generic national average, and factors in PMI automatically if your down payment is under 20%. It also checks your payment against the 28% affordability benchmark lenders actually use, so you know where you stand before you talk to anyone. No signup, no lead-gen, no ads. Just numbers. Would love feedback — especially if you're currently house-hunting and can tell me if anything's confusing or missing. What would make this more useful for your own search?

MorgCalc

Free mortgage calculator with real PMI & taxes

Free mortgage calculator with real PMI & taxes