About MtgCalc365
Why this site exists
MtgCalc365 is an independent collection of free mortgage-planning calculators and educational explanations. It is designed to make the difference between a quoted principal-and-interest payment and the full cost of homeownership easier to understand.
We emphasize transparent formulas, user-controlled assumptions, and comparisons that can be repeated with real lender quotes. We do not represent a mortgage lender, broker, insurer, or government agency.
Editorial and calculation approach
Calculators use standard fixed-rate amortization mathematics and explicitly stated assumptions. Educational pages distinguish estimated payments from binding offers. We encourage readers to compare Loan Estimates and verify property taxes, insurance, and loan-specific charges.
Created by James Gore. No account or contact form is required to use the tools.