A calculator first. Everything else second.
CalculateYourRate exists to answer one question clearly: what will this home actually cost me every month? Most people start house hunting with a price range in mind and no real sense of what that translates to in a monthly payment once taxes, insurance, and PMI are included. We built this site to close that gap.
What we do
Our mortgage calculator estimates your monthly payment — principal, interest, property tax, homeowners insurance, and PMI where applicable — using the same amortization math lenders use. It's free to use, with no signup required. We also publish plain-English guides on the decisions that actually affect your rate, and offer a free downloadable checklist for first-time buyers getting ready to apply.
How we're funded
CalculateYourRate is independently run and supported through an affiliate relationship with Truss Financial Group. If you choose to follow our link and later use its services, we may receive compensation. Truss is an affiliated mortgage professional, not part of CalculateYourRate, and the relationship never changes what the calculator shows. Full details are in our affiliate disclosure.
What we're not
We are not a lender, broker, or loan originator, and nothing on this site is a loan offer, a rate lock, or financial advice. We're a calculator and information resource meant to make you a more informed buyer before you talk to one.