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Bankrate wants your email. Zillow wants to match you with agents. NerdWallet wants to connect you to lenders. The mortgage calculator wants nothing — enter three numbers, get your monthly payment. Close the tab. Done.
| Calculator | Free to Use? | Requires Signup? | Tries to Sell? | Data Collected |
|---|---|---|---|---|
| Browser mortgage calculator | ✓ Free | ✓ No signup ever | ✓ Nothing | ✓ None — runs locally |
| Bankrate | ✓ Free | ~Optional but pushed | ✗ Lender ads + matching | ~Email, zip, income range |
| NerdWallet | ✓ Free | ~Account for full features | ✗ Lender partnerships | ~Email, credit score range |
| Zillow | ✓ Free | ~Optional | ✗ Agent matching | ~Address, price range |
| LendingTree | ✓ Free | ✗ Required for results | ✗ Aggressive matching | ✗ Full financial profile |
| Rocket Mortgage | ✓ Free | ✗ Account required | ✗ Their own lending | ✗ SSN for pre-approval |
If you just want to know your monthly payment at 7% on a $350K loan — you do not need to hand over your personal information to find out.
Three inputs. One answer. Zero signup.
Open Mortgage CalculatorFor taxes, insurance, and PMI estimates, see our full payment breakdown guide — but the P&I from the calculator is your starting point.
| Loan Amount | Rate | Term | Monthly P&I |
|---|---|---|---|
| $200,000 | 6.5% | 30 years | $1,264 |
| $250,000 | 7.0% | 30 years | $1,663 |
| $300,000 | 6.5% | 30 years | $1,896 |
| $350,000 | 7.0% | 30 years | $2,329 |
| $400,000 | 7.0% | 30 years | $2,661 |
| $400,000 | 7.0% | 15 years | $3,595 |
| $500,000 | 6.5% | 30 years | $3,160 |
No app download needed. Open the mortgage calculator in any browser:
No account. No app. No lender pitch. Just your monthly payment.
Open Mortgage Calculator