{ "id": 47, "slug": "mortgage-calculator", "type": "tool", "title": "Mortgage Calculator — Monthly Payment (PITI)", "summary": "Estimate your true monthly mortgage payment — principal, interest, property tax, insurance, PMI, and HOA. 100% in your browser — free, no sign-up.", "category_slug": "calc", "category_name": "Calculators", "locale": "en", "seo": { "description": "Free online mortgage calculator. Estimate your full monthly payment (PITI) from home price, down payment, rate, and term — including property tax, home insurance, PMI, and HOA. In your browser, private, no sign-up." }, "data": { "howto": [ { "step": 1, "text": "Enter the home price, down payment, interest rate, and loan term." }, { "step": 2, "text": "Optionally add property tax, home insurance, PMI, and HOA for the full PITI payment." }, { "step": 3, "text": "Read the monthly breakdown, loan amount, and total interest — adjust to compare." } ], "sections": [ { "body": "It estimates what you will actually pay each month for a home loan — not just the loan repayment, but the full housing cost: principal, interest, property tax, home insurance, mortgage insurance (PMI), and any HOA dues. Enter the home price, down payment, interest rate, and term to see the breakdown.", "heading": "What is a mortgage calculator?" }, { "body": "PITI is the four core parts of a mortgage payment: Principal (the loan balance you pay down), Interest (the cost of borrowing), Taxes (property tax, usually billed yearly and split into monthly), and Insurance (homeowner's insurance). Lenders look at PITI — not just principal and interest — to decide what you can afford.", "heading": "What is PITI?" }, { "body": "Monthly principal & interest = L · r · (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1), where L is the loan (home price − down payment), r is the monthly rate (annual ÷ 12 ÷ 100), and n is months (years × 12). The full payment adds property tax ÷ 12, insurance ÷ 12, PMI ÷ 12, and monthly HOA on top.", "heading": "The formula" }, { "body": "If your down payment is under 20% of the price, lenders usually require Private Mortgage Insurance (PMI) — often about 0.3–1.5% of the loan per year — until you build enough equity. A larger down payment lowers the loan, the monthly payment, and can remove PMI entirely.", "heading": "PMI and your down payment" }, { "body": "This is an estimate. Actual interest rates depend on your credit and lender; property tax and insurance vary by location; and it excludes closing costs, maintenance, and utilities. Use it to compare scenarios, then confirm exact figures with a lender.", "heading": "What it does not include" } ], "toolKind": "client", "clientApp": "mortgage-calc" }, "updated_at": "2026-07-02T09:04:07.891Z", "faq": [ { "q": "What is PITI?", "a": "Principal, Interest, Taxes, and Insurance — the four parts of a typical mortgage payment. The calculator also adds PMI and HOA if you enter them." }, { "q": "When do I pay PMI?", "a": "Usually when your down payment is under 20% of the price. PMI is often about 0.3–1.5% of the loan per year and drops off once you build enough equity." }, { "q": "How is the monthly payment calculated?", "a": "Principal & interest use the standard amortization formula on the loan (price − down payment); then property tax, insurance, PMI (all annual ÷ 12) and monthly HOA are added." }, { "q": "What is not included?", "a": "Closing costs, maintenance, and utilities. Rates, taxes, and insurance vary, so treat it as an estimate and confirm with a lender. Calculated privately in your browser." }, { "q": "Is it free?", "a": "Yes, completely free — no sign-up and no watermark." }, { "q": "Is my data private?", "a": "Yes — this tool runs entirely in your browser. Your files and text are never uploaded." } ], "related": [ { "slug": "age-calculator", "title": "Age Calculator — Free, Exact Age", "type": "tool", "category_slug": "calc", "kind": "related", "data": { "howto": [ { "step": 1, "text": "Enter your date of birth." }, { "step": 2, "text": "Optionally set a date to calculate the age at (defaults to today)." }, { "step": 3, "text": "Read your exact age in years, months, and days." } ], "sections": [ { "body": "It works out exactly how old you are — in years, months, and days — from your date of birth, and also shows the total number of days and weeks you have lived. You can calculate age as of today or any other date.", "heading": "What does the age calculator do?" }, { "body": "Enter your date of birth (and optionally a target date). The calculation runs entirely in your browser, accounting for different month lengths and leap years, so the result is exact rather than a rough estimate.", "heading": "How it works" }, { "body": "Find your precise age for a form or application, work out someone's age on a specific date, count down to a milestone birthday, or figure out an age gap. It is also handy for eligibility checks that depend on an exact age.", "heading": "When to use it" }, { "body": "The age is the calendar difference between your birth date and the target date: full years first, then the remaining whole months, then the remaining days — borrowing days from the previous month's real length when needed. Total days is the exact day count between the two dates, and total weeks is that divided by 7.", "heading": "How the calculation works" }, { "body": "A year is not always 365 days and months vary in length, so subtracting years alone is inaccurate. This tool counts the real calendar difference, including leap days (Feb 29), to give an exact years/months/days breakdown.", "heading": "Why the result is exact" } ], "toolKind": "client", "clientApp": "age-calc" } }, { "slug": "percentage-calculator", "title": "Percentage Calculator — Free Online", "type": "tool", "category_slug": "calc", "kind": "related", "data": { "howto": [ { "step": 1, "text": "Choose the calculation type." }, { "step": 2, "text": "Enter the two numbers." }, { "step": 3, "text": "Read the result instantly." } ], "sections": [ { "body": "Three of the most common percentage questions: what is X% of Y, X is what percent of Y, and the percentage change from one number to another. Pick the mode and enter two numbers.", "heading": "What can it calculate?" }, { "body": "All three formulas run in your browser as you type, so you get the answer instantly with no rounding surprises. Nothing is sent anywhere.", "heading": "How it works" }, { "body": "Calculate a discount or tip, work out a tax or markup, find a test score as a percentage, compare two figures, or measure growth and decline between two values.", "heading": "When to use it" }, { "body": "X% of Y = (X ÷ 100) × Y. X is what percent of Y = (X ÷ Y) × 100. Percentage change from A to B = ((B − A) ÷ A) × 100. Example: 20% of 150 = 30; 30 is 20% of 150; and a change from 150 to 180 is +20%.", "heading": "The formulas" }, { "body": "Percentage change is the difference between two values relative to the first: (new − old) ÷ old × 100. A positive result is an increase, a negative one is a decrease — useful for prices, metrics, and results over time.", "heading": "Percentage change explained" } ], "toolKind": "client", "clientApp": "percent-calc" } }, { "slug": "bmi-calculator", "title": "BMI Calculator — Free, Metric & Imperial", "type": "tool", "category_slug": "calc", "kind": "related", "data": { "howto": [ { "step": 1, "text": "Pick metric or imperial units." }, { "step": 2, "text": "Enter your weight and height." }, { "step": 3, "text": "Read your BMI and category." } ], "sections": [ { "body": "Body Mass Index (BMI) is a number calculated from your weight and height that gives a general indication of whether you are underweight, a normal weight, overweight, or obese. It is a quick screening guide used widely in health contexts.", "heading": "What is BMI?" }, { "body": "Enter your weight and height in metric (kg, cm) or imperial (lb, in). BMI is computed in your browser using the standard formula and matched to the standard category ranges. Nothing is sent anywhere.", "heading": "How it works" }, { "body": "BMI = weight (kg) ÷ height (m)². In imperial units, BMI = 703 × weight (lb) ÷ height (in)². For example, 70 kg at 1.75 m gives 70 ÷ (1.75 × 1.75) = 22.9. The category cut-offs follow the World Health Organization (WHO) classification for adults.", "heading": "The formula" }, { "body": "The usual ranges are: under 18.5 underweight, 18.5–24.9 normal weight, 25–29.9 overweight, and 30 or above obese. They apply to adults and are a general guide, not a personal diagnosis.", "heading": "BMI categories" }, { "body": "BMI does not distinguish muscle from fat or account for age, sex, or body composition, so very muscular people can read as overweight. Treat it as a starting point and consult a professional for a real assessment.", "heading": "Limits of BMI" } ], "toolKind": "client", "clientApp": "bmi-calc" } }, { "slug": "loan-calculator", "title": "Loan & Mortgage Calculator — Free", "type": "tool", "category_slug": "calc", "kind": "related", "data": { "howto": [ { "step": 1, "text": "Enter the loan amount, annual interest rate, and term in years." }, { "step": 2, "text": "Read the monthly payment, total repaid, and total interest." }, { "step": 3, "text": "Adjust the numbers to compare scenarios." } ], "sections": [ { "body": "From a loan amount, annual interest rate, and term in years, it works out your fixed monthly payment, the total you will repay over the life of the loan, and how much of that is interest.", "heading": "What does it calculate?" }, { "body": "It uses the standard amortization formula — the same maths banks use for fixed-rate loans and mortgages — and computes everything in your browser as you type. Nothing is sent anywhere.", "heading": "How it works" }, { "body": "Monthly payment M = P · r · (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1), where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the number of payments (years × 12). Total repaid = M × n, and total interest = (M × n) − P. When the rate is 0%, payment is simply P ÷ n.", "heading": "The formula" }, { "body": "Estimate a mortgage or car loan payment before applying, compare loan offers with different rates or terms, see how much interest a loan really costs, or check what term keeps payments affordable.", "heading": "When to use it" }, { "body": "This is an estimate of principal and interest only. Real payments may also include property taxes, insurance, fees, or variable rates, so treat the figure as a guide and confirm with the lender.", "heading": "What it does not include" } ], "toolKind": "client", "clientApp": "loan-calc" } }, { "slug": "time-calculator", "title": "Time Calculator — Add, Subtract & Duration", "type": "tool", "category_slug": "calc", "kind": "related", "data": { "howto": [ { "step": 1, "text": "Choose a mode: add/subtract time, or duration between two times." }, { "step": 2, "text": "Enter the date-time(s) and the days/hours/minutes." }, { "step": 3, "text": "Read the result instantly — calculated in your browser." } ], "sections": [ { "body": "Two things: add or subtract a duration (days, hours, minutes) to a starting date and time, or measure the exact duration between two date-times. It handles the awkward parts — rolling over hours into days, crossing midnight, and month boundaries — so you do not have to count on your fingers.", "heading": "What does the time calculator do?" }, { "body": "Pick a start date and time, choose add or subtract, and enter days, hours, and/or minutes. The result updates instantly with the new date and time — handy for deadlines (\"48 hours from now\"), cooking, shifts, or scheduling.", "heading": "Add or subtract time" }, { "body": "Enter a start and an end date-time and get the gap broken down into days, hours, minutes, and seconds, plus the totals (total hours, total minutes). Useful for timesheets, event lengths, project spans, or how long is left until a deadline.", "heading": "Duration between two times" }, { "body": "Work out a project deadline, log hours on a timesheet, plan a cooking or fasting window, find how many hours a shift covers, or count down to an event. It is the quick answer for any \"what time will it be\" or \"how long between\" question.", "heading": "When to use it" } ], "toolKind": "client", "clientApp": "time-calc" } }, { "slug": "tip-calculator", "title": "Tip Calculator — Split the Bill Free", "type": "tool", "category_slug": "calc", "kind": "related", "data": { "howto": [ { "step": 1, "text": "Enter the bill amount." }, { "step": 2, "text": "Choose a tip percentage and the number of people." }, { "step": 3, "text": "Read the tip, total, and per-person amounts instantly." } ], "sections": [ { "body": "Enter the bill amount and a tip percentage and it shows the tip and the grand total instantly. Set how many people are paying and it also splits the tip and total evenly per person, so everyone knows exactly what to put in.", "heading": "What does the tip calculator do?" }, { "body": "It applies your chosen tip percentage to the bill, adds it to the total, and divides by the number of people — all in your browser as you type. Use the quick preset buttons (10–25%) or the slider for any percentage.", "heading": "How it works" }, { "body": "Customs vary by country and service. In the United States 15–20% is common at restaurants; many places tip less or not at all where service charges are already included. Check the bill for an included service charge before adding more.", "heading": "How much should you tip?" }, { "body": "Tip = bill × (tip% ÷ 100). Total = bill + tip. Per person = total ÷ number of people. Example: a 60.00 bill at 20% split 3 ways = 12.00 tip, 72.00 total, 24.00 each.", "heading": "The formula" } ], "toolKind": "client", "clientApp": "tip-calc" } }, { "slug": "discount-calculator", "title": "Discount Calculator — Percent Off & Final Price", "type": "tool", "category_slug": "calc", "kind": "related", "data": { "howto": [ { "step": 1, "text": "Enter the original price." }, { "step": 2, "text": "Enter the discount percentage." }, { "step": 3, "text": "Read the amount saved and the final price instantly." } ], "sections": [ { "body": "Enter an original price and a discount percentage and it shows two things instantly: how much you save, and the final price after the discount. Useful for sales, coupons, and checking a deal before you buy.", "heading": "What the discount calculator does" }, { "body": "Both numbers update as you type, computed entirely in your browser — nothing is uploaded. It handles any price and any percentage, so it works for a small coupon or a big clearance discount alike.", "heading": "How it works" }, { "body": "Discount amount = price × (percent ÷ 100). Final price = price − discount amount. Example: 25% off a 80.00 item = 20.00 saved, final price 60.00. To go the other way (percent off from two prices): percent = (price − sale) ÷ price × 100.", "heading": "The formula" }, { "body": "Discounts usually apply one after another, not added together: an extra 10% off an already 20%-off price is 0.9 × 0.8 = 72% of the original (28% off), not 30% off. Apply each discount to the running price rather than summing the percentages.", "heading": "Stacked and extra discounts" } ], "toolKind": "client", "clientApp": "discount-calc" } }, { "slug": "sales-tax-calculator", "title": "Sales Tax Calculator — Add Tax to a Price", "type": "tool", "category_slug": "calc", "kind": "related", "data": { "howto": [ { "step": 1, "text": "Enter the amount before tax." }, { "step": 2, "text": "Enter your local tax rate (%)." }, { "step": 3, "text": "Read the tax and total instantly." } ], "sections": [ { "body": "Enter a pre-tax amount and a tax rate and it shows the sales tax and the final total. You supply the rate, so it works anywhere — there is nothing tied to a specific state or country.", "heading": "What it calculates" }, { "body": "It multiplies your amount by the rate and adds it to the total, updating as you type in your browser. Enter the exact combined rate for your location to get an accurate total.", "heading": "How it works" }, { "body": "Sales tax = amount × (rate ÷ 100). Total = amount + sales tax. Example: an 8.25% rate on a 100.00 purchase = 8.25 tax, total 108.25. To find the pre-tax price from a total: price = total ÷ (1 + rate ÷ 100).", "heading": "The formula" }, { "body": "In the US, sales tax is set by state, county, and city, so the combined rate differs from place to place and some items are exempt. Always use the rate that applies where the sale happens — this tool does not assume a location.", "heading": "Why rates vary" } ], "toolKind": "client", "clientApp": "sales-tax-calc" } }, { "slug": "roi-calculator", "title": "ROI Calculator — Return on Investment", "type": "tool", "category_slug": "calc", "kind": "related", "data": { "howto": [ { "step": 1, "text": "Enter the amount invested (cost)." }, { "step": 2, "text": "Enter the final value or total return." }, { "step": 3, "text": "Optionally add years for annualized ROI, then read the results." } ], "sections": [ { "body": "Return on investment (ROI) measures how much you gained relative to what you put in, as a percentage. It lets you compare investments of different sizes on the same scale — a 50 profit on 100 (50% ROI) beats a 50 profit on 500 (10% ROI).", "heading": "What ROI tells you" }, { "body": "Enter the amount invested (cost) and the final value or total return; it shows your net return and ROI instantly in your browser. Add a number of years to also see the annualized ROI, which is more comparable across investments of different lengths.", "heading": "How it works" }, { "body": "ROI = (final value − cost) ÷ cost × 100. Example: cost 1,000, final value 1,300 → net 300, ROI 30%. Annualized ROI = ((final ÷ cost)^(1 ÷ years) − 1) × 100, which spreads the total return evenly across the years to give a per-year rate.", "heading": "The formula" }, { "body": "Basic ROI ignores time (unless you annualize), and it does not account for risk, taxes, fees, or inflation. Use it as a quick comparison, not a full financial picture — two investments with the same ROI can differ a lot in risk and timing.", "heading": "What ROI leaves out" } ], "toolKind": "client", "clientApp": "roi-calc" } }, { "slug": "salary-calculator", "title": "Salary Calculator — Hourly to Annual Pay", "type": "tool", "category_slug": "calc", "kind": "related", "data": { "howto": [ { "step": 1, "text": "Enter your pay and choose its period." }, { "step": 2, "text": "Set hours/week, days/week, and weeks/year." }, { "step": 3, "text": "Read the equivalent hourly, weekly, monthly, and annual pay." } ], "sections": [ { "body": "Enter your pay for any period — hourly, daily, weekly, monthly, or annual — and it shows the equivalent in every other period at once. Adjust the hours per week, days per week, and weeks per year to match your schedule.", "heading": "What it does" }, { "body": "It converts your input to a yearly figure, then divides back down. Hourly → annual multiplies by hours/week and weeks/year; annual → hourly divides by the same. Everything updates as you type, in your browser.", "heading": "How it works" }, { "body": "Annual = hourly × hours per week × weeks per year. Example: 25/hr × 40 × 52 = 52,000/year. Monthly = annual ÷ 12; weekly = annual ÷ weeks per year. To go from a salary to hourly, reverse it: hourly = annual ÷ (hours per week × weeks per year).", "heading": "The formula" }, { "body": "This shows gross pay — before tax and deductions. Take-home depends on your country, state, filing status, and benefits, which vary too much to calculate reliably here. Use the gross figures to compare offers, then check take-home with a local payroll tool.", "heading": "Gross vs take-home" } ], "toolKind": "client", "clientApp": "salary-calc" } }, { "slug": "date-calculator", "title": "Date Calculator — Days Between Dates & Add Days", "type": "tool", "category_slug": "calc", "kind": "related", "data": { "howto": [ { "step": 1, "text": "Pick a mode: days between dates, or add/subtract from a date." }, { "step": 2, "text": "Enter the date(s) — and any days, weeks, months, or years to add." }, { "step": 3, "text": "Read the result instantly, including the day of the week." } ], "sections": [ { "body": "Two things: it counts the exact number of days between two calendar dates — also broken down into weeks, approximate months, weekdays (Mon–Fri), and weekend days — and it adds or subtracts days, weeks, months, or years from a date, telling you what day of the week the result lands on.", "heading": "What the date calculator does" }, { "body": "Between two dates, the difference is the count of calendar days from the first date up to (and optionally including) the second — tick the checkbox if your counting should include the end date, as deadlines often do. Adding calendar units follows normal calendar rules: adding one month to January 31 rolls into early March, because February is shorter.", "heading": "How it works" }, { "body": "The weekday count includes every Monday to Friday in the span. Real business-day counts can differ because public holidays vary by country and year — treat the weekday number as the upper bound and subtract any holidays that apply to you.", "heading": "Weekdays vs business days" }, { "body": "Deadline math (30 days from today), project timelines, counting down to an event, notice periods, visa and passport windows, invoice due dates, or figuring out what date it will be six weeks from now.", "heading": "When to use it" } ], "toolKind": "client", "clientApp": "date-calc" } }, { "slug": "rent-vs-buy-calculator", "title": "Rent vs Buy Calculator — Which Is Cheaper?", "type": "tool", "category_slug": "calc", "kind": "related", "data": { "howto": [ { "step": 1, "text": "Enter the home price, down payment, mortgage rate, and the monthly rent for a similar home." }, { "step": 2, "text": "Set how many years you plan to stay — and tune the assumptions if you like." }, { "step": 3, "text": "Read which path is cheaper over that horizon, and by how much." } ], "sections": [ { "body": "It estimates the net cost of each path over the years you plan to stay. Buying counts everything you pay out — down payment, closing costs, mortgage payments, property tax, insurance, maintenance — minus the equity you would walk away with after selling. Renting counts total rent (growing yearly) minus the growth your down-payment cash could earn if it stayed invested.", "heading": "What the calculator compares" }, { "body": "Net buying cost = cash out (down + closing + monthly P&I × months + tax/insurance/maintenance) − equity at sale, where equity = future home value − remaining loan balance − selling costs. Net renting cost = total rent paid − investment growth on (down payment + closing costs). Whichever net cost is lower wins for that time horizon.", "heading": "The formula" }, { "body": "Buying front-loads big one-time costs (closing when you buy, agent fees when you sell) that only pay off if spread over enough years of equity building. That is why renting usually wins for short stays and buying tends to win for long ones — the break-even is often somewhere around 4–8 years, depending on your numbers.", "heading": "Why time horizon dominates" }, { "body": "It holds tax, insurance, and maintenance at today's rates, and leaves out income-tax effects (like mortgage-interest deductions), HOA fees, and rent controls — all of which vary by country and person. Adjust the editable assumptions to fit your market, and treat the result as a comparison of scenarios, not financial advice.", "heading": "What it does not include" } ], "toolKind": "client", "clientApp": "rent-vs-buy" } } ] }