About

Built for buyers,
not lenders.

MorgCalc gives you the numbers you need to walk into any home purchase or refinance with confidence — no sign-up, no ads disguised as advice, no hidden fees.

Our mission

Most mortgage tools are designed to generate leads for lenders. We built MorgCalc differently — as a clean, fast calculator that puts accurate numbers first. We use real property tax rates for all 50 states, current 30-year fixed rates from Freddie Mac's Primary Mortgage Market Survey, and standard insurance and PMI estimates so your monthly payment estimate is as close to reality as possible.

When you're ready to talk to a lender, we'll point you toward one. Until then, the calculator is yours — free, forever.

What MorgCalc calculates

Monthly Payment

Principal, interest, property taxes, homeowners insurance, and PMI — the full PITI picture.

Affordability

Work backward from your income and debts to find the home price that fits your budget.

Refinance

Compare your current loan to a new rate, calculate break-even, and see total interest saved.

Disclaimer

All calculations on MorgCalc are estimates for illustrative purposes only. Interest rates, property tax rates, insurance premiums, and PMI costs vary by lender, location, credit profile, and market conditions. MorgCalc is not a licensed mortgage broker, lender, or financial advisor. Always verify figures directly with a licensed lender before making any financial decision. MorgCalc may receive compensation from partner lenders when users click through to their services.

Reference

Mortgage & Real Estate Glossary

Plain-English definitions for ADU, DTI, PMI, tenants in common, cash-on-cash return, and 50+ more terms.

Browse glossary →

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