Stop guessing. See your exact payoff path — every payment, every dollar, every year — in one visual timeline.
"The first mortgage calculator that actually helped me understand what I was signing up for."
— Beta testerNo more guessing if your rate is current. ClearRate pulls live market rates so your calculation reflects what's actually available today.
Your amortization schedule, transformed into a chart you can actually read. Watch principal take over interest year by year.
Ask "what if I pay $200 extra a month?" Get a full revised timeline, total interest saved, and new payoff date instantly.
Principal, interest, taxes, insurance — all included. Get the real number, not just the loan payment.
Year-by-year breakdown in a visual bar chart. See exactly where your money goes every month.
Add one-time or recurring extra payments. Instantly see how much interest you save and when you're debt-free.
Compare 15-year vs 30-year, different down payments, different rates — all on one screen with charts.
Enter your budget, get your max home price. Works backward from monthly payment to purchase price.
One tap to generate a clean summary to share with your spouse, agent, or lender.
See current market rates alongside your calculation. Know if your quote is competitive.
Your calculations follow you. Sync across iPhone, iPad, and Android automatically.
Home price, down payment, interest rate, loan term, property taxes, insurance. One screen, no scattered fields.
Your monthly payment, total interest, payoff date — plus a visual chart showing principal vs. interest over the life of the loan.
Ask "what if" questions. Extra payments, different rates, shorter terms — see the impact instantly with updated charts and timelines.
The biggest financial decision of your life deserves more than a basic calculator. ClearRate was built to make mortgage math visual, honest, and actionable.