Truecost - Mortgage Calculator

TrueCost shows you the COMPLETE cost of your mortgage — not just principal and interest, but property taxes, home insurance, PMI, and HOA fees too.

THE PROBLEM WITH OTHER CALCULATORS
Most mortgage calculators show you a low monthly payment that doesn't reflect reality. When you get to closing, you're shocked by the true cost. TrueCost fixes this by showing you everything upfront.

WHAT MAKES TRUECOST DIFFERENT

- TRUE TOTAL COST
See your real monthly payment with all costs included: Principal, Interest, Taxes, Insurance, PMI, and HOA (PITI + HOA).

- NO LOGIN REQUIRED
Full functionality without creating an account. Your data stays on your device.

- NO SPAM
We never sell your information or connect you to lenders. Privacy first, always.

- BEAUTIFUL DESIGN
Modern, intuitive interface with smooth sliders and real-time calculations. Supports dark mode.

POWERFUL FEATURES

- Interactive payment breakdown chart
- Complete amortization schedule — see every payment for the life of your loan
- Save and compare multiple scenarios
- Extra payment analysis — see how much you save by paying extra
- Payback ratio — understand exactly how much you pay for every dollar borrowed

EDUCATIONAL TOOLS

- Mortgage Glossary: Learn terms like PMI, APR, escrow, amortization, and more
- Home Buying Guide: Step-by-step walkthrough of the buying process

PERFECT FOR

- First-time home buyers exploring their budget
- Homeowners considering refinancing
- Real estate agents showing scenarios to clients
- Anyone comparing different loan options

LANGUAGE SUPPORT
- English
- Spanish (Español)

Download TrueCost now and discover what you'll really pay for your dream home.