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Simple Mortgage Planning
Free mortgage, affordability, refinance and PMI calculators that show the math.
About Simple Mortgage Planning
Simple Mortgage Planning puts the mortgage math people actually search for into clean, no-signup calculators: monthly payment with taxes, insurance, HOA and PMI; how much house you can afford (with salary-by-salary pages from $40k to $300k); rent vs buy; mortgage points; a full amortization schedule; early payoff; PMI removal; and refinance break-even. Everything runs in the browser, and plain-English guides cover the 28/36 rule, 15 vs 30-year loans, escrow and more.
Features
- ✓Mortgage payment calculator with taxes, insurance, HOA and PMI
- ✓How much house can I afford — plus pages for $40k to $300k salaries
- ✓Rent vs buy, points, amortization, early payoff, PMI removal, refinance break-even
- ✓No sign-up; nothing you enter is stored
Who it's for
First-time buyers, homeowners weighing a refinance or extra payments, and renters deciding whether to buy.
Choosing a loan type? FHA vs conventional loan compares down payments, MIP and PMI with a worked $350,000 example.
Frequently asked questions
Is it free?▾
Yes. Every calculator is free with no sign-up.
Is this financial advice?▾
No. The calculators show estimates and the math behind them; confirm figures with your lender.
