Mortgage Calculator-PITI, DTI

Free mortgage calculator: PITI, DTI, live rates & 20+ tools for US home buyers.

🏠 Mortgage Calculator — PITI, DTI & Home Loan Calculator for US Home Buyers

Calculate your true monthly mortgage payment in seconds. Free, offline, and built exclusively for the US market with live FRED mortgage rates updated automatically. Whether you are buying your first home, refinancing, or comparing loan offers, get accurate results instantly — no account, no signup, no paywall.

📲 Calculate. Compare. Save.

🏠 MORTGAGE PAYMENT CALCULATOR

• Monthly mortgage payment with principal & interest
• PITI calculator — taxes, insurance, PMI & HOA included
• Full amortization schedule — every payment visualized
• Extra payment calculator — pay off faster, save thousands
• Mortgage refinance calculator — compare old vs new loan
• Loan payoff calculator with principal vs interest charts
• Closing cost estimator — know your full upfront costs

📊 LIVE MORTGAGE RATES

• Real-time 30-year & 15-year fixed rates from FRED
• Federal Reserve rate tracker — always up to date
• Compare top US lenders side by side
• Personalized offers from Chase and other major lenders
• Full closing cost breakdown with estimated fees
• Weekly rate change tracker — see if rates are rising or falling

💰 HOME AFFORDABILITY & DTI CALCULATOR

• Debt-to-income (DTI) ratio — front-end & back-end
• Home affordability calculator — know your real budget
• PITI calculator with visual payment breakdown
• DTI health gauge — know if you qualify before applying
• Mortgage qualification calculator
• Recommended home price range based on your income

🚗 AUTO & PERSONAL LOAN CALCULATOR

• Car loan calculator — any APR, any term
• Loan comparison — 36, 48, 60 & 72 months
• Total interest breakdown for every financing option
• Down payment & trade-in value calculator

🧮 20+ FREE FINANCIAL TOOLS

• Home prices by city — median values across US metros
• Property tax by state — interactive US tax map
• Credit card payoff — avalanche & snowball methods
• Credit score guide — how scores affect mortgage rates
• FHA, VA, Conventional & Jumbo loan comparison
• Top mortgage lenders — current market rates
• Home insurance — compare top US providers
• AI assistant — instant answers to financial questions
• Save calculations — access your results anytime
• Loan type guide — FHA vs VA vs Conventional explained
• Insurance provider ratings — A++ rated companies listed

⭐ WHY US HOME BUYERS CHOOSE THIS APP
✓ Free — no subscription, no paywall
✓ Offline — works without internet
✓ Live FRED rates — real data, not estimates
✓ Built for the US market — USD, US lenders, US tax rates
✓ No account required — open and calculate instantly
✓ Privacy first — all calculations run on your device
✓ 20+ tools in one app — replace 5 different calculators
✓ Save your calculations — revisit and compare anytime
✓ AI assistant — get smart answers to mortgage questions
✓ Regular updates — new tools and features every month
✅ PERFECT FOR

• First-time home buyers budgeting their purchase
• Homeowners comparing refinance options
• Real estate investors calculating returns
• Car buyers planning auto loan payments
• Anyone comparing FHA, VA or conventional loans
• Renters deciding whether to buy or continue renting
• Couples planning their first home purchase together

🔐 PRIVACY & TRANSPARENCY

No personal financial data is stored. All calculations run locally on your device. Third-party lender links are included to help you explore financing options. We do not sell or share your data with any third party.

⚠ DISCLAIMER

Estimates are for informational purposes only. Always consult a licensed financial professional before making major financial decisions.