🔒 Privacy First
Your financial data never leaves your browser. The entire calculation engine runs in Rust compiled to WebAssembly — no server calls, no analytics, no tracking. Works offline once loaded.
About Mortgage Calculator
A simple, fast mortgage calculator with amortization schedule and payment breakdown.
Why Nobu Tools?
Nobu is my dog, and the inspiration behind these tools. Life is short, so we should spend less time on tedious tasks and more time with the ones we love.
Nobu Tools are built to save you time. Fast, private, no-nonsense utilities that just work.
🧮 What It Calculates
- Monthly payment — Principal & interest, property tax, home insurance, mortgage insurance, and HOA
- Mortgage insurance — Auto-calculates PMI rate by down payment. PMI auto-terminates at 78% LTV per the Homeowners Protection Act. FHA MIP follows 11-year / life-of-loan rules
- Extra payments — See how additional monthly principal saves interest and shortens your loan
- Home appreciation — Tracks equity growth as your home value increases over time
- Amortization schedule — Year-by-year breakdown of payments, principal, interest, balance, equity, and LTV
- Visual chart — Balance and equity plotted over the life of the loan with home value reference line
Need More?
For comparing multiple properties, different loan types side by side, rent vs buy analysis, and debt-to-income calculations, try Mortgage Scenarios — the full-featured comparison tool.