Truecost - Mortgage Calculator

TrueCost shows you the COMPLETE cost of your mortgage — not just principal and interest, but property taxes, home insurance, PMI, and HOA fees too.
THE PROBLEM WITH OTHER CALCULATORS
Most mortgage calculators show you a low monthly payment that doesn't reflect reality. When you get to closing, you're shocked by the true cost. TrueCost fixes this by showing you everything upfront.
WHAT MAKES TRUECOST DIFFERENT
- TRUE TOTAL COST
See your real monthly payment with all costs included: Principal, Interest, Taxes, Insurance, PMI, and HOA (PITI + HOA).
- NO LOGIN REQUIRED
Full functionality without creating an account. Your data stays on your device.
- NO SPAM
We never sell your information or connect you to lenders. Privacy first, always.
- BEAUTIFUL DESIGN
Modern, intuitive interface with smooth sliders and real-time calculations. Supports dark mode.
POWERFUL FEATURES
- Interactive payment breakdown chart
- Complete amortization schedule — see every payment for the life of your loan
- Save and compare multiple scenarios
- Extra payment analysis — see how much you save by paying extra
- Payback ratio — understand exactly how much you pay for every dollar borrowed
EDUCATIONAL TOOLS
- Mortgage Glossary: Learn terms like PMI, APR, escrow, amortization, and more
- Home Buying Guide: Step-by-step walkthrough of the buying process
PERFECT FOR
- First-time home buyers exploring their budget
- Homeowners considering refinancing
- Real estate agents showing scenarios to clients
- Anyone comparing different loan options
LANGUAGE SUPPORT
- English
- Spanish (Español)
Download TrueCost now and discover what you'll really pay for your dream home.