Free, private, and ridiculously transparent mortgage calculators.
HomeSmartCalc is a small, independent publishing project for the US market. We think millions of people overpay on their mortgage because the math is hidden behind a loan officer, a POS portal, or a $49/mo. subscription. That's backwards.
Every calculator on this site runs entirely in your browser. Your numbers never cross the wire to our servers, your lender, or an advertiser. What you see is what you get — with a direct link to the source math in plain TypeScript so you can audit it.
6 calculators
Mortgage, rent vs buy, refi break-even, affordability, PMI removal, and scenario comparison.
100% client-side
Pure TypeScript math. No login, no tracking cookies, no backend.
PDF, CSV, XLSX
Export every report with your branding. Hand it straight to an LO.
Working with real estate agents, publishers, or mortgage shops?
White-label our calculators on your site for free using the embed codes on each calculator page. Want a custom look or a custom calculator built for your brand? Get in touch — we'd love to hear about your audience.
How our calculators work
All calculations are performed with pure, dependency-free TypeScript in the user's browser. The amortization engine supports US-style monthly compounding, variable-term fixed loans, PMI removal by 20% equity / 78% LTV / midpoint / FHA-life rules, property tax escrow, homeowners insurance, HOA dues, recurring extra principal payments, and one-time principal curtailments.
The outputs you see match what a mortgage underwriter will derive using standard amortization schedules; small rounding differences in the last payment are normal and handled by clamping final principal to the remaining balance.
This site is not a lender, mortgage broker, or financial adviser. Numbers are for educational and informational purposes only — please consult a licensed mortgage professional for a formal approval and binding loan estimate.