mortgage rate cal

U.S. mortgage calculator with live rates, charts, schedules & extra payments.

Mortgage Calculator - Your Complete U.S. Home Loan Companion

Plan your home purchase with confidence. Get instant monthly payment estimates, visualize your loan over time, and stay informed with live mortgage rate data and the latest housing market news.

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Main Features
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Detailed Mortgage Calculator
- Enter home value, down payment, interest rate, and loan term
- Toggle down payment between percentage and dollar amount
- Mortgage amount auto-calculated from your inputs
- Choose your first payment date and amortization period (up to 50 years)

Full Cost Breakdown
- Property tax, homeowners insurance, PMI, and HOA fees included
- See exactly how much each cost adds to your monthly payment
- PMI automatically calculated when loan-to-value exceeds 80%
- PMI removal date clearly displayed

Extra Payment Analysis
- Add monthly, yearly, or half-yearly extra payments
- Instantly see how much interest you save
- See how many months/years you shave off your loan
- ROI calculation on your extra payments

Payment Summary with Charts
- Beautiful donut chart showing total cost breakdown
- Down payment, principal, interest, taxes & fees clearly visualized
- Percentage breakdown for every cost category
- Complete loan summary with payoff date

Interactive Payment Charts
- Yearly stacked bar chart: principal vs interest vs taxes & fees
- Loan balance vs equity line chart showing your progress over time
- Touch any data point for detailed year-by-year tooltips
- Chart summary with interest-to-principal ratio

Month-by-Month Payment Schedule
- Switch between monthly and yearly views
- Select any year from a dropdown to jump directly
- Expand each month to see full payment breakdown
- Cumulative interest tracking
- Final payment and paid-off indicators clearly marked

Live Mortgage Rate Data
- Estimated 30-year fixed mortgage rate based on 10-Year Treasury yield
- Daily rate change tracking (up/down vs previous day)
- Treasury + Spread = Mortgage Rate formula explained visually
- 52-week rate range with current position indicator

Latest Mortgage & Housing News
- Curated news articles about the U.S. housing market
- Read full articles in the built-in browser
- Category tags for quick filtering
- Pull-to-refresh for the latest updates

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Who Is This App For?
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- First-time homebuyers exploring their budget
- Current homeowners considering refinancing
- Real estate investors running quick loan scenarios
- Anyone comparing mortgage options and extra payment strategies

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App Highlights
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- Clean, intuitive Material Design interface
- Dark mode supported (follows system theme)
- Real-time calculations as you type
- No account or sign-up required
- Lightweight and fast

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Supported Languages
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English, Korean

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Contact & Feedback
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