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Determine the Mortgage Rate that Works for You with the Best Mortgage Calculator Apps

Finding the 21 mortgage rate that works for your budget doesn’t have to be hard. This is something I learned the tough way and I’m here to hopefully make your experience calculating your mortgage easy and stress-free. After hitting a bunch of dead-ends when trying to calculate my mortgage manually, I took to the internet to see if there were any tools I could use to make the process easier. I found a helpful list I used for the article and I’ll share the link to the website here in case you’re interested in checking it out for yourself.

Best 10 Mortgage Calculator Apps

Turns out, some of them were total lifesavers and I want to share them with you today. Regardless of whether you’re trying to make calculations for your first mortgage ever or you’re an experienced home-owner, these apps are must-haves in my opinion.

Calculate Home & Auto Loans with Financial Calculators

I’ve found Financial Calculators to be incredibly helpful as a mortgage payoff calculator as well as a calculator for things like auto loans, stock returns, 401K plans, and credit card payments. For mortgages, I’m able to calculate everything from my estimated monthly payments to my tax savings, so I always know every little cost that’s coming my way. There’s also a special Home Affordability calculator, which makes it easy to see exactly how my mortgage payment will fit into my budget without putting stress on myself or my finances.

Bottom line: if you’re looking for an ad-free app, this is not it. That being said, I personally don’t think the banner ads are intrusive – I hardly paid any attention to them at all – so I don’t think they will be a big distraction to you either. Still, keep in mind that they will be present as you use the app.

Compare Money Lenders with Mortgage by Zillow

If you want to simultaneously deduce your monthly mortgage payments while also comparing and finding money lenders to mortgage with, then I can’t recommend Mortgage by Zillow more. You have the ability to compare mortgage rates, fees, and monthly payments along with personalized quotes from more than 100 lenders that are in your neighborhood. You can select from the best lending options and contact them right through the app so you can avoid the hassle of finding the right contact information.

Just note that when entering your down payment information, there isn’t an option to input a dollar amount directly. Instead, you select the down payment percentage that fits your budget. If you want something more specific than just a basic percentage, you might want to check out Karl’s Mortgage Calculator instead.

Karl’s Mortgage Calculator

With Karl’s Mortgage Calculator, you are able to calculate your mortgage principal, interest or term, and see exactly what your monthly payments will look like right from the palm of your hand. Seriously, how easy is that? Not to mention, you also have the ability to factor in additional costs such as taxes, interest rate changes, and one-time payments. Then, you can use the analytics feature to produce a graph for each calculation in order to see a visual of what potential payments would look like; something that I, personally, find to be incredibly helpful.

Because these calculator features are so in-depth and have a wide variety of input fields that many other calculators don’t have, you may get a bit overwhelmed at first trying to figure out what numbers to put where. I definitely recommend you take things slowly and, if you want something a little more basic, consider checking out Mortgage by Zillow or Financial Calculators.


If you are like me and the thought of calculating your mortgage payment is difficult and stressful, then I can’t recommend these apps to you enough. They more than half the time it takes to calculate your mortgage by hand and they’re significantly less tedious. Don’t leave your numbers up to guesswork and don’t pay a bunch of money out of pocket to have someone do it for you. You can make all of the calculations you need and more with the truly helpful apps I’ve listed above.


Posts by SpeakBindas Editorial Team.

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