Mortgage Calculator with Live Rates
Calculate mortgage payments using live US/UK average rates. Save scenarios and compare amortization schedules.
Calculate monthly mortgage payments using live US/UK average rates from a serverless Function call. Save scenarios to your account and compare two side-by-side. Includes principal+interest, taxes, insurance, and HOA breakdown plus a full amortization schedule.
When to use it
- 1Estimating a monthly payment on a property you are considering.
- 2Comparing fixed-rate scenarios at different terms or down-payments.
- 3Showing a buyer how a lower rate changes their lifetime interest.
How it works
- 1
Enter your numbers
Home price, down payment (amount or percent), term in years, rate, taxes, insurance, HOA.
- 2
Use today's rate
Click 'Use today's average rate' - a Function calls a public rate series and returns a daily-cached number.
- 3
Save and compare
Sign in to save scenarios with names. Use compare-mode to put two saved scenarios side-by-side.
Frequently asked
Where do the live rates come from?
Public series like Freddie Mac PMMS for the US and Bank of England for the UK, fetched daily. If the source is unavailable, the tool falls back to a sensible default and tells you.
Is this financial advice?
No. The tool is a calculator. Talk to a real loan officer for an actual quote.
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