Fast, Free & Accurate Mortgage & Financial Utilities
Mortgage R US provides free, private, and client-side financial calculators designed to help home buyers, borrowers, and investors accurately plan their payments.
Pick a calculator
Five essential money tools, each with a full breakdown, the math behind it, and a worked example.
Retirement, savings goals, and loan comparison calculators are on the roadmap.
State mortgage calculators
Property taxes vary widely by state and directly change your monthly payment. Pick your state to open a dedicated calculator with its average tax rate locked in and see your full PITI breakdown.
No state income tax means property taxes carry more of the load — plan for a higher escrow but lower income withholding.
Low property taxes supported by tourism revenue, plus no state income tax — a popular mix for retirees and investors.
Proposition 13 caps annual assessment growth at 2%, keeping long-term property tax growth unusually low.
Higher county rates plus transfer and mortgage recording taxes make closing costs among the highest in the country.
Competitive rates and homestead exemptions on primary residences keep housing costs manageable for buyers.
Estimate your Alabama monthly PITI payment with the 0.40% average property tax locked in.
Estimate your Alaska monthly PITI payment with the 1.17% average property tax locked in.
Estimate your Arizona monthly PITI payment with the 0.51% average property tax locked in.
Estimate your Arkansas monthly PITI payment with the 0.61% average property tax locked in.
Estimate your Colorado monthly PITI payment with the 0.51% average property tax locked in.
Estimate your Connecticut monthly PITI payment with the 2.15% average property tax locked in.
Estimate your Delaware monthly PITI payment with the 0.57% average property tax locked in.
Estimate your Hawaii monthly PITI payment with the 0.31% average property tax locked in.
Estimate your Idaho monthly PITI payment with the 0.69% average property tax locked in.
Estimate your Illinois monthly PITI payment with the 2.23% average property tax locked in.
Estimate your Indiana monthly PITI payment with the 0.86% average property tax locked in.
Estimate your Iowa monthly PITI payment with the 1.57% average property tax locked in.
Estimate your Kansas monthly PITI payment with the 1.41% average property tax locked in.
Estimate your Kentucky monthly PITI payment with the 0.86% average property tax locked in.
Estimate your Louisiana monthly PITI payment with the 0.55% average property tax locked in.
Estimate your Maine monthly PITI payment with the 1.36% average property tax locked in.
Estimate your Maryland monthly PITI payment with the 1.09% average property tax locked in.
Estimate your Massachusetts monthly PITI payment with the 1.23% average property tax locked in.
Estimate your Michigan monthly PITI payment with the 1.54% average property tax locked in.
Estimate your Minnesota monthly PITI payment with the 1.12% average property tax locked in.
Estimate your Mississippi monthly PITI payment with the 0.81% average property tax locked in.
Estimate your Missouri monthly PITI payment with the 1.02% average property tax locked in.
Estimate your Montana monthly PITI payment with the 0.84% average property tax locked in.
Estimate your Nebraska monthly PITI payment with the 1.63% average property tax locked in.
Estimate your Nevada monthly PITI payment with the 0.59% average property tax locked in.
Estimate your New Hampshire monthly PITI payment with the 2.18% average property tax locked in.
Estimate your New Jersey monthly PITI payment with the 2.47% average property tax locked in.
Estimate your New Mexico monthly PITI payment with the 0.80% average property tax locked in.
Estimate your North Carolina monthly PITI payment with the 0.84% average property tax locked in.
Estimate your North Dakota monthly PITI payment with the 1.05% average property tax locked in.
Estimate your Ohio monthly PITI payment with the 1.56% average property tax locked in.
Estimate your Oklahoma monthly PITI payment with the 0.90% average property tax locked in.
Estimate your Oregon monthly PITI payment with the 0.97% average property tax locked in.
Estimate your Pennsylvania monthly PITI payment with the 1.58% average property tax locked in.
Estimate your Rhode Island monthly PITI payment with the 1.63% average property tax locked in.
Estimate your South Carolina monthly PITI payment with the 0.56% average property tax locked in.
Estimate your South Dakota monthly PITI payment with the 1.31% average property tax locked in.
Estimate your Tennessee monthly PITI payment with the 0.71% average property tax locked in.
Estimate your Utah monthly PITI payment with the 0.67% average property tax locked in.
Estimate your Vermont monthly PITI payment with the 1.90% average property tax locked in.
Estimate your Virginia monthly PITI payment with the 0.82% average property tax locked in.
Estimate your Washington monthly PITI payment with the 0.98% average property tax locked in.
Estimate your West Virginia monthly PITI payment with the 0.59% average property tax locked in.
Estimate your Wisconsin monthly PITI payment with the 1.85% average property tax locked in.
Estimate your Wyoming monthly PITI payment with the 0.61% average property tax locked in.
Why people trust our tools
Financial decisions are personal. Mortgage R US is built so your numbers stay yours.
No registration required
Every tool works the moment the page loads. No accounts, no email walls, no trials — just answers.
100% privacy by design
All calculations run client-side in your browser. Your salary, debts, and savings never leave your device.
Instant, accurate results
Industry-standard financial formulas recalculate in real time as you move each slider — no page reloads.
How Our Calculators Work
Every calculator on Mortgage R US runs entirely in your browser — no data ever leaves your device. When you move a slider or type a number, the math recalculates instantly using the same standard formulas that banks and lenders rely on.
For mortgages, we use the classic amortization formula that splits each monthly payment into principal and interest, then layer on property taxes, homeowners insurance, and PMI to show your true PITI payment. Auto loan and debt payoff tools use similar amortization logic, while savings calculators apply compound interest math.
Because everything is client-side, your financial details stay private: there are no accounts, no tracking, and no waiting on a server. Results are estimates designed for planning — always confirm final numbers with your lender — but the underlying arithmetic is transparent and accurate to the formulas published by federal housing agencies and industry standards.
What Is PITI?
PITI stands for the four parts of a typical mortgage payment: Principal, Interest, Taxes, and Insurance. Principal pays down your loan balance each month. Interest is the lender's charge for borrowing — early in the loan, most of your payment goes to interest. Taxes are property taxes collected monthly into an escrow account so the annual bill is covered; rates vary widely by state and county. Insurance means homeowners insurance (also escrowed), plus private mortgage insurance (PMI) when the down payment is under 20%.
Many first-time buyers focus only on principal and interest, then feel blindsided when the actual monthly payment arrives hundreds of dollars higher. Our mortgage calculators show the complete PITI picture upfront — including state-specific property tax and insurance estimates — so the number you plan around is the number you will actually pay each month.
Frequently Asked Questions
Are these calculators really free?
Yes — every calculator on Mortgage R US is free forever, with no sign-up, no trial period, and no paywalled features. We keep the tools free and cover costs with discreet advertising.
Is my financial information private?
Absolutely. All calculations happen locally in your browser using JavaScript — your home price, loan balance, and income figures are never sent to a server, stored, or tracked. Closing the tab erases everything.
How accurate are the estimates?
Our calculators use the same standard amortization and interest formulas that lenders and federal agencies publish, so the math is precise. Your final payment will still depend on your exact rate, tax assessment, and insurance quote — always confirm with your lender before making decisions.
Do I need to create an account or download anything?
No. There are no accounts, no downloads, and no software to install. The calculators run instantly in any modern web browser on your phone, tablet, or computer.
Which calculator should I start with?
If you are buying a home, start with the mortgage calculator for a full PITI breakdown, or pick your state for localized tax and insurance estimates. For a vehicle, try the auto loan calculator; for debt payoff strategies, use the credit card payoff calculator.