About MortgageIQ
MortgageIQ exists because most mortgage calculators on the internet are stuck in 2005. They give you one number — a monthly payment — and call it done. But a mortgage is the largest financial decision most people will ever make, and the real questions go far beyond "what's the payment?" They're questions like: How much do I really save with bi-weekly payments? Should I refinance? What if I put $200 more toward principal every month? What's my break-even on a refi? Can I actually afford this house?
Our calculator answers all of those questions in one tool. It uses the same amortization math banks use — to the penny — and layers on modern features: live updating, interactive charts, a full amortization schedule, extra-payment modeling, side-by-side scenario comparison, affordability analysis, and refinance break-even. No signup. No paywall. No email required.
Our principles
- Free and fast. No ads inside the math, no dark patterns, no lead-gen forms disguised as calculators.
- Honest math. We use the industry-standard amortization formula and openly explain how we calculate PMI, escrow, and affordability.
- No tracking beyond what we need. We use privacy-friendly analytics to understand what users find useful and nothing more.
- Education first. Our blog explains mortgage concepts in plain English — no jargon unless we define it.
How we make money
MortgageIQ is supported by display advertising and by optional referral relationships with mortgage lenders. When we recommend a lender, we disclose the relationship clearly. We never sell your personal information, and we don't track anything you type into the calculator — all math runs locally in your browser.
Who this is for
First-time buyers trying to understand what they can actually afford. Current homeowners deciding whether to refinance or make extra payments. Real-estate professionals and mortgage brokers who want a clean, shareable tool for their clients. Anyone who wants the full picture before signing a 30-year commitment.
Ready to run the numbers?
Jump into the calculator and model your mortgage from every angle.
Open the Calculator →Contact
Questions, feature requests, or partnership inquiries: hello@yourdomain.com