Free, fast, transparent mortgage calculators with original amortization, prepayment, refinance and affordability analytics. No tracking, no signups.https://mtgcalculator.org/en-ushttps://mtgcalculator.org/learn/15-vs-30-year-mortgage/https://mtgcalculator.org/learn/15-vs-30-year-mortgage/A side-by-side comparison of 15- and 30-year fixed-rate mortgages with full math, opportunity-cost analysis, and a decision framework.Wed, 06 May 2026 00:00:00 GMThttps://mtgcalculator.org/learn/arm-vs-fixed-rate/https://mtgcalculator.org/learn/arm-vs-fixed-rate/A clear-eyed look at adjustable-rate mortgages — when their initial discount is worth the rate-reset risk and when it is a trap.Wed, 06 May 2026 00:00:00 GMThttps://mtgcalculator.org/learn/closing-costs-explained/https://mtgcalculator.org/learn/closing-costs-explained/A complete walkthrough of mortgage closing costs — what each fee is for, which are negotiable, and what is typical in 2026.Wed, 06 May 2026 00:00:00 GMThttps://mtgcalculator.org/learn/conventional-vs-fha-vs-va/https://mtgcalculator.org/learn/conventional-vs-fha-vs-va/Plain-English comparison of conventional, FHA, and VA mortgage programs — eligibility, down payment, mortgage insurance, and total cost.Wed, 06 May 2026 00:00:00 GMThttps://mtgcalculator.org/learn/extra-payments-impact/https://mtgcalculator.org/learn/extra-payments-impact/A quantitative look at extra principal payments — bi-weekly, monthly extras, and lump sums — with the only metric that lets you compare them honestly.Wed, 06 May 2026 00:00:00 GMThttps://mtgcalculator.org/learn/mortgage-points-explained/https://mtgcalculator.org/learn/mortgage-points-explained/How discount points work, when buying them is rational, and a clean break-even formula you can run in your head.Wed, 06 May 2026 00:00:00 GMThttps://mtgcalculator.org/learn/how-mortgage-payments-are-calculated/https://mtgcalculator.org/learn/how-mortgage-payments-are-calculated/A plain-English derivation of the standard US mortgage formula, plus how PITI, PMI and escrow change what you actually pay each month.Wed, 06 May 2026 00:00:00 GMThttps://mtgcalculator.org/learn/pmi-explained/https://mtgcalculator.org/learn/pmi-explained/How private mortgage insurance is calculated, when it auto-cancels under federal law, and the three ways to drop it sooner.Wed, 06 May 2026 00:00:00 GMThttps://mtgcalculator.org/learn/property-tax-and-escrow/https://mtgcalculator.org/learn/property-tax-and-escrow/How escrow accounts work, why your monthly payment can change without your interest rate changing, and how to spot an escrow shortage before it surprises you.Wed, 06 May 2026 00:00:00 GMThttps://mtgcalculator.org/learn/refinance-break-even/https://mtgcalculator.org/learn/refinance-break-even/How to compute the exact month a refinance pays back its closing costs, plus when the simple break-even math is misleading.Wed, 06 May 2026 00:00:00 GMT