About Mortgage Calculator Studio

Mortgage Calculator Studio is an independent, ad-supported educational resource for mortgage and loan math. The site exists for one reason: when you go looking for a mortgage calculator on the open web, you mostly find pages designed to harvest your phone number for a lender call. We wanted a calculator that just shows you the math, in plain English, with no lead form attached.

What makes this different

• No lead capture. No phone number field, no "Estimate your rate" tease that turns into a lender call.
• Full amortization on every page. The monthly payment is just the start; the table beneath it shows where every dollar goes for every month of the loan.
• Plain English explanations. What PMI is and when it drops off; how APR differs from the headline rate; why fixed and adjustable mortgages compare differently after year five.
• The math runs on your device. The figures you type — purchase price, down payment, income — never leave your browser. There is no analytics event with your loan amount in it.

Who runs this

Mortgage Calculator Studio is a one-person project operated from South Korea as part of a small portfolio of focused web utilities. The operator is a software engineer, not a licensed mortgage professional or financial advisor. The math on this site is standard textbook math; the decisions remain yours, and we strongly recommend confirming any real-world choice with a licensed mortgage broker or qualified financial planner. To get in touch, use the contact page or email facered79@gmail.com.

How it's built

The site is a static Astro build served by Nginx on an Oracle Cloud Always Free instance. Every calculation runs in JavaScript in your browser; nothing about your inputs reaches any server. See the Privacy Policy for the full picture and the Disclaimer for what this site is — and is not.

Roadmap in brief

• Mortgage calculator with full amortization, PMI, taxes, HOA — in progress
• Auto, personal, and student loan calculators — next
• Refinance break-even, extra-payment, and 15-vs-30 comparisons — next
• Glossary covering APR, escrow, PMI, points, LTV, DTI, PITI — in progress
• Country-specific guides (US first; UK and Korea are different beasts) — later