How to Choose the Best Mortgage Calculator Spreadsheet
The best mortgage payment calculators for your new home purchase or loan refinance should easily calculate your monthly loan payment and amortization schedule.
Our home affordability calculators compare mortgage scenarios side by side such as different interest rates, loan amounts, and loan terms, helping you determine which housing payment fits into your monthly budget. Compare 30 vs 15 year mortgage loans and visually see the impact on your payments and interest costs.
The user-friendly mortgage loan calculators help you see the impact of making extra principal payments which can shorten your payoff date, save you money on interest, and be mortgage free.
Best Early Payoff Calculator: The Mortgage Calculator Spreadsheet lets you run side-by-side scenarios to calculate interest savings and track early payoffs due to making extra principal payments.
Best Housing Cost Planner: The Mortgage Payment Calculator includes an amortization schedule, loan comparison, and factors in principal, interest, taxes, insurance, PMI, and HOA fees for a complete housing payment overview.
Best Mobile-Friendly Apps: Calculate your mortgage payment, total interest cost, and payoff date on the go with the Mortgage Calculator App for iPhone or the Mortgage Calculator App for Android Phones.
Best Mortgage Bundle: The Personal Finance Spreadsheet Bundle pairs your home payoff tracker with Excel checkbook registers, bill tracking, and grocery list tools.
Take Control of Your Home Loan
Comparing 10-year vs 15-year vs 30-year borrowing options side-by-side removes the guesswork from home buying or refinancing. Visualizing your fixed costs vs variable expenses like real estate taxes or insurance ensures you establish a comfortable monthly budget boundary.
By setting up a plan to make extra principal payments, you can immediately track how minor incremental payments reduce overall interest costs and speed up your timeline to complete home ownership.
