About

About 4MortgageSimulator

A free, no-nonsense mortgage calculator that shows the real monthly cost of a home loan — clearly and instantly.

4MortgageSimulator was built on a simple idea: buying a home is a big decision, and you deserve a clear picture of the monthly cost before you commit. Our calculator estimates your full monthly payment — not just principal and interest, but the property taxes, home insurance, and PMI that make up your real expense.

What our calculator does

Full payment breakdown. See principal & interest, taxes, insurance, and PMI as separate lines, plus your total.

Smart PMI handling. PMI is only applied when your down payment is under 20%, just like in real life.

Instant results. The numbers update as you type — no waiting, no page reloads.

Private by design. Everything runs in your browser. Nothing you enter is sent to a server.

Part of the 4Utilities family

4MortgageSimulator is one of a growing family of free, focused online tools. We believe everyday software should be fast, accessible, and respect your privacy — and we build every tool with that in mind.

Have feedback or an idea? Visit our Contact page — we'd love to hear from you.

4MortgageSimulator provides estimates for planning purposes only and is not financial advice. Always confirm figures with your lender.