Are you buying a home? Are you helping a client with a mortgage decision? Vertex42 provides many free mortgage calculators that you can download and work with on your own computer, using Microsoft Excel. You can customize the spreadsheets, add your own calculations, print amortization schedules, and save your results.

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Mortgage Calculators

Featured Mortgage Calculators

Home Mortgage Calculator

Home Mortgage Calculator

This is our free full-featured mortgage calculator, including fixed-rate and adjust-rate mortgages, amortization schedule, and optional extra payments.

ARM Calculator

ARM Calculator

How bad can an ajustable rate mortgage get? How high might your monthly payment get over time? Include optional extra payments.

Mortgage Payment Calculator

Mortgage Payment Calculator

This is a simple calculator for making side-by-side comparisons of multiple mortgages.


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Home Equity Loan Calculator

Home Equity Loan Calculator

Need a second mortgage? This calculator can help answer the questions (a) How much can I borrow? (b) What will my monthly payment be? (c) How much equity will I have in N years?

Home Equity Line of Credit Calculator

Home Equity Line of Credit Calculator

Estimate and track payments on a Home Equity Line of Credit (HELOC).

Simple Interest Mortgage Calculator

Simple Interest Mortgage Calculator

This is a special type of mortgage based on simple interest calculations and daily compounding.

Interest-Only Loan Calculator

Interest-Only Mortgage Calculator

This is for fixed-rate interest-only mortgages, where the interest-only period is specified as a number of years.

Canadian Mortgage Calculator

Canadian Mortgage Calculator

This calculator was designed specifically for Canadian mortgages (and uses some different terminology), but the Home Mortgage Calculator above can also handle the semi-annual compounding for Canadian mortgages and has a more advanced method for choosing accelerated bi-weekly payment options.

Extra Payment Mortgage Spreadsheet

Extra Payment Mortgage Spreadsheet

This is one of the original mortgage spreadsheets created prior to most of the mortgage calculators listed above. The idea is to compare making extra payments to a basic interest-bearing savings account or investment. The Home Mortgage Calculator listed at the top is now a more powerful way to analyze the effect of making extra payments.


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