Your Mortgage Toolbox
Free Download: No Account Required

Mortgage Calculators
on Your Phone

The Your Mortgage Toolbox app gives you 8 free mortgage calculators: total payment, cash to close, affordability, refinance, net proceeds, rent vs. buy, and more. Now compare Conventional, FHA, VA and USDA loans side by side, with county-level estimates. Open the app, enter your numbers, and get answers in seconds.

Download on the App Store Get it on Google Play Available at Amazon Appstore

Free on iPhone, iPad & Android  ·  Also available on Amazon Fire tablets  ·  No signup required

Your Mortgage Toolbox app home screen showing all 8 calculators
Home Screen
Mortgage payment calculator screen showing inputs and results
Calculator
What’s New

Compare Loan Types. See Local Estimates.

The latest update to the app (and the website) adds the features buyers ask about most.

Four loan types, side by side Compare estimated payment, closing costs, and cash to close for Conventional, FHA, VA, and USDA loans in one place.
County-level estimates Pick a county to see property tax, homeowner’s insurance, and loan limit estimates for that area instead of a statewide average.

All results are estimates and are not a loan offer or a commitment to lend. Read the press release →

What’s Inside

8 Free Mortgage Calculators

Everything you need to understand a home purchase, refinance, sale, or savings plan, all in one free app. No ads, no account, no pressure.

01
Total Payment & Cash to Close Monthly payment plus estimated cash needed at closing. Compare Conventional, FHA, VA & USDA.
02
Pre-Qualification Estimate how much home you may qualify for based on income and debts, by loan type.
03
Income Needed Work backwards from a target price to find the income required, by loan type.
04
Mortgage Payment Quick P&I estimate with a full amortization schedule.
05
Net Proceeds from Sale See what you’ll walk away with after commissions and costs.
06
Refinance Savings Monthly savings, lifetime interest savings, and break-even timeline.
07
Rent vs. Buy Analysis Side-by-side cost comparison with a 10-year break-even point, across loan types.
08
Down Payment Savings Goal How long until you have enough saved, with a month-by-month plan.
Completely free
Conventional, FHA, VA & USDA
County-level estimates
No account required
No ads
Save your calculations
Share results via text or email
iPhone, Android & Fire tablet

Want to Learn the Process, Too?

Our free Homeownership Financial Literacy Program on the website covers saving, credit, mortgage financing, closing, and the true cost of owning a home, in English and Spanish.

Explore the Learn Program →

Are You a Real Estate Agent or Loan Officer?

Put your name, photo, and contact info on all 8 calculators and share a branded version of this app with every client. When your clients share it, new users automatically receive your branding, turning every download into a referral.

See the Branded App for Agents & Lenders →

Questions about the app? Visit our app support page.

Prefer to use the calculators on the web? All 8 tools are also available on our website. No download required. Visit YourMortgageToolbox.com →