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Free Mortgage Calculator — Home Loan, Refinance, Affordability & DTI. Offline.
MortgageLab is a free mortgage calculator and home loan planner. Calculate monthly mortgage payments, view full amortization schedules, compare loan scenarios, analyze refinance savings, and check your home affordability — all 100% offline with no ads. 🏠 MORTGAGE PAYMENT CALCULATOR Calculate your monthly mortgage payment including principal, interest, and total cost. Switch between monthly and bi-monthly payments to see how much you save over the life of your home loan. 📊 DEBT-TO-INCOME (DTI) CALCULATOR Know your DTI ratio before your lender does. See both front-end and back-end DTI with color-coded health indicators — Healthy, Caution, or At Risk. 🔄 COMPARE 3 MORTGAGE SCENARIOS Build up to 3 loan scenarios side by side. Compare starter home vs dream home vs investment property — monthly payments, total interest, and break-even points. 💡 HOME AFFORDABILITY CALCULATOR Enter your income and debts to instantly see how much house you can afford, backed by standard lending guidelines. 📈 LOAN AMORTIZATION SCHEDULE See exactly how every payment splits between principal and interest. Visualize your equity growth month by month with interactive charts. 🔍 REFINANCE CALCULATOR Thinking of refinancing your mortgage? Calculate your break-even point and total savings to decide if refinancing is worth it. 🧠 INSIGHTS & ANALYTICS ENGINE Deep-dive analytics including interest rate sensitivity, PMI impact analysis, and FIRE (Financial Independence) projections. 🔒 100% OFFLINE — ZERO DATA COLLECTED MortgageLab never connects to the internet. No accounts, no tracking, no ads. Your financial information stays on your device. Period. WHO IT'S FOR MortgageLab is built for first-time home buyers, homeowners, real estate investors, and anyone researching mortgage options. Use it as a mortgage payment calculator, home loan calculator, amortization calculator, refinance calculator, affordability calculator, or DTI calculator. ⚠️ All figures are estimates. Consult a licensed financial adviser or lender before making mortgage decisions.