About Us
Mortgage & Loans (MortiVio) is a free online mortgage calculator platform built for homebuyers, first-time buyers, refinancers, and real estate investors in 2026. No signup, no download, no fee — just instant, accurate results for 30-year fixed, 15-year fixed, FHA, VA, and adjustable-rate mortgages. Every tool runs entirely in your browser, available 24/7.
Our Mission: Free Financial Clarity for Every Homebuyer
Mortgage & Loans was built on one belief: every homebuyer deserves access to the same financial tools that mortgage brokers and loan officers use — for free, online, without signing up. Every day, millions of people search for answers: "What will my monthly mortgage payment be on a $400,000 home?" "How much house can I afford on a $90,000 salary?" "Should I refinance my 6.5% mortgage?" "How much interest will I pay over 30 years?" Our platform answers all of these questions instantly, accurately, and at no cost.
Every calculator on this site uses the industry-standard PMT amortization formula — the same mathematical model used by banks, credit unions, and mortgage lenders worldwide. We go beyond basic payment estimates: our tools include FHA mortgage insurance premium (MIP), VA funding fees, private mortgage insurance (PMI) based on loan-to-value ratio, property tax estimates, homeowner's insurance, and HOA fees. The result is a true PITI payment — Principal, Interest, Taxes, and Insurance — not a misleading low number that ignores your real monthly obligations.
Our calculator suite covers every stage of the homebuying and refinancing journey. Use our Mortgage Affordability Calculator to find your maximum home price based on income, debts, and down payment. Use the Refinance Calculator to calculate your break-even point and lifetime savings when switching from a 30-year to a 15-year loan, or from a 6.5% to a 5.9% rate. Use the Rent vs Buy Calculator to compare total 10-year cost of renting versus owning. Use the Biweekly Payment Calculator to see how paying every two weeks instead of monthly can shave years off your loan and save tens of thousands in interest. We also support auto loans, personal loans, business/SME loans, and construction loans.
We do not originate mortgage loans. We are not a lender, broker, or financial institution. We do not collect your financial data — loan amounts, income, interest rate, property value, or any other numbers you enter stay entirely in your browser and are never transmitted to our servers. No account required, no credit check, no data sold. We are an independent, free, educational tool — supported by display advertising so we can remain free forever.
This site is reviewed and updated on a daily, weekly, and monthly basis. We monitor current 30-year fixed mortgage rate benchmarks, FHA and VA fee schedule changes, PMI rate tables, and U.S. housing market conditions to ensure our default values and educational content stay accurate and current in 2026. When the Federal Reserve adjusts rates or HUD updates FHA MIP, we update accordingly.
What We Stand For
100% Free — No Paywall, No Signup, No Catch
Every tool is permanently free. Mortgage payment calculator, amortization schedule, refinance calculator, DTI calculator, affordability estimator, biweekly calculator, rent vs buy, construction loan — all free, forever. No credit card, no email address, no premium tier. Supported by Google AdSense advertising so the tools stay free for everyone.
Your Financial Data Never Leaves Your Browser
Every calculation — whether it's a $250,000 FHA loan estimate or a $1.2M jumbo mortgage amortization — happens entirely in your browser using JavaScript. Your loan amount, income, interest rate, and property value are never sent to any server, never stored, never logged. This is architectural privacy, not just a policy.
Real Lender Math — PITI, FHA MIP, VA Fees, PMI Included
We use the standard PMT amortization formula. Our mortgage calculator includes property tax, homeowner's insurance, HOA fees, FHA MIP (1.75% upfront + 0.55% annual), VA funding fees (1.25%–3.3%), and LTV-based PMI rates. You get the same breakdown a loan officer would show you at closing — principal, interest, taxes, insurance, and mortgage insurance all itemized.
Works Instantly on Any Device — Phone, Tablet, Desktop
Fully responsive, touch-optimized design. Open any calculator on your iPhone while touring a home, on your laptop during a lender meeting, or on a tablet at the kitchen table. Results update in real time as you type — no page reload, no waiting, no app to install. Available 24/7, 365 days a year.
How Our Free Calculators Work
Choose Your Calculator — 10+ Free Tools Available
Pick from mortgage payment, affordability, refinance, rent vs buy, DTI, biweekly, extra payment, rate impact, loan comparison, or construction loan. No login, no verification — open and use instantly.
Enter Your Home Price, Rate & Loan Details
Input home price, loan amount, down payment, interest rate, and loan term (10, 15, 20, or 30 years). Add optional fields — property tax, HOA, insurance — for a complete PITI estimate that matches what lenders actually show you.
Get Your Full Payment Breakdown Instantly
See monthly payment, total interest over the life of the loan, full year-by-year amortization schedule, payoff date, equity milestones, and loan-to-value ratio — all updating in real time as you adjust any input.