What it is
Mortgage Calculator is a free in-browser mortgage calculator that estimates the full monthly housing payment — principal, interest, property tax, homeowners insurance, PMI, and HOA dues — plus a complete amortization schedule, without uploading any financial information. It is free, requires no signup, and works in any modern browser. Everything runs locally on your device — there is no server-side processing of the data you put into the tool.
Who it's for
It's for home buyers and homeowners comparing loan scenarios (down payment size, rate, term) and planning whether extra principal payments are worth it. The tool is designed for quick one-off use: open the page, do the thing, close the tab.
How we keep it free
- Your tool inputs never leave your browser. The tool does not ask for, store, or transmit anything you type or paste.
- Aggregate page analytics (Google Analytics 4). We collect anonymised page metrics (pages visited, approximate country, browser family). Consent Mode v2 is configured with all storage denied by default. See the privacy policy for retention periods and GDPR legal basis.
- Privacy-preserving page analytics via Cloudflare Web Analytics — cookieless, no fingerprinting.
Why we built it
Most tools of this kind are bloated with signups, paywalls, or third-party scripts that exfiltrate the data you paste in. This site is part of a small portfolio of utility sites run by ThinkStack Limited that try to do the opposite: one job, done well, in the browser, with the privacy story explicit and the ads strictly non-personalised by default.
See the privacy policy for the full data story or email info@brighttoolstudio.com with questions.