About MTGCalculator.net

MTGCalculator.net is a collection of focused mortgage and loan calculators — monthly payments, amortization schedules, refinance savings, affordability, down payments, and more — that run entirely in your browser. It is published by Sumvia, the team behind the Sumvia.net calculator network.

Standard math, shown openly

Every calculator here uses the standard amortized-loan (PMT) formula and the debt-to-income guidelines lenders actually apply — the same math behind a mortgage statement. Each page names what it calculates and shows a worked example, so you never have to wonder where a number came from.

Browser-native, no accounts

Nothing you enter — home prices, income, loan balances — is transmitted, logged, or stored. All calculation happens on your device, there is no registration, and the tools stay usable on a flaky connection once the page has loaded. This is a deliberate design constraint of every Sumvia site.

Tested calculation logic

The finance engine is implemented as small, typed functions with automated tests checked against known reference figures (for example, a $200,000 loan at 6% over 30 years produces the industry-standard $1,199.10 monthly payment). The worked examples in page copy are generated by the same code that powers the calculators, so the documentation cannot drift from the implementation. See the methodology and accuracy page for the full approach.

Not financial advice

These calculators provide general educational estimates. They cannot account for your specific loan program, credit profile, local taxes, or lender fees, and they are not a substitute for professional guidance. Confirm any consequential figure with a licensed mortgage professional before relying on it.

Get in touch

Found a problem, or want to suggest a calculator? See the contact page — reports of suspected calculation issues are especially welcome and are treated seriously.