About Us

Welcome to Free Mortgage Calculator — your trusted, privacy-focused online tool for estimating mortgage and home loan repayments.

Our Mission

We aim to provide a simple, accurate, and completely free mortgage calculator that anyone can use — whether you're buying your first home in the United States, refinancing in Europe, or exploring loan options in Southeast Asia. We believe that financial tools should be accessible, transparent, and respect your privacy.

Why Choose Us

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100% Private

All calculations run in your browser. No data is ever collected, stored, or transmitted.

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Multi-Currency

Support for 7 currencies: USD, EUR, GBP, MYR, THB, IDR, SGD.

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Works Anywhere

Fully responsive design works on desktop, tablet, and mobile phones.

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Fast & Free

No sign-up required. Instant calculations with no page reloads.

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Full Schedule

View complete amortization table showing every payment's breakdown.

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Download CSV

Export your full repayment schedule for offline analysis and planning.

How It Works

Our calculator uses the Equal Monthly Installment (EMI) formula — the globally recognized standard for mortgage loan calculations used by banks and financial institutions worldwide:

  • Enter your loan amount, annual interest rate, and loan term
  • Choose your preferred currency (USD, EUR, GBP, MYR, THB, IDR, or SGD)
  • Get instant results: monthly payment, total interest, total repayment
  • Review the detailed amortization schedule showing every payment's principal and interest breakdown
  • Download the full schedule as a CSV file for your records

Global Reach

Our calculator is designed to serve users worldwide:

  • United States: Standard 15/30-year fixed-rate mortgage calculations
  • Europe: Compatible with Euro-denominated home loans across the EU
  • United Kingdom: GBP-based mortgage calculations with UK banking conventions
  • Singapore: SGD calculations aligned with CPF and HDB loan structures
  • Malaysia: MYR-based calculations for Malaysian home financing
  • Thailand: THB mortgage calculations for Thai property loans
  • Indonesia: IDR calculations for KPR and Indonesian home loans