The 9 calculators every loan officer keeps one tab away.
The math your borrowers want done before they pick up the phone. Run the numbers in front of them on a Zoom share, or embed these on your site so leads pre-qualify themselves.
- • Quote a defensible monthly payment in under 60 seconds, including taxes and insurance, without opening Encompass or Optimal Blue.
- • Walk a refi candidate through break-even point and lifetime savings live on the call — the conversation that turns 'thinking about it' into a signed disclosure.
- • Embed the mortgage calculator on your bio page or branch site so realtor referrals land on a working tool instead of a stale headshot.
Mortgage Calculator
Principal, interest, taxes, insurance, PMI, and the full amortization table — the one calculator every borrower asks for and most originator websites get wrong.
9 more calculators every mortgage broker should bookmark.
Click any calculator to use the full version — formulas, examples, FAQs, and the option to embed it on your own site.
Loan Calculator
General-purpose loan math for HELOCs, second mortgages, and bridge loans. Term, rate, payment — pick any two.
Open calculatorAuto Loan Calculator
Quick way to show a borrower how the new car they're about to finance will tank their DTI three weeks before closing.
Open calculatorDebt Payoff Calculator
Snowball vs avalanche on existing credit cards — the numbers that get a thin-file borrower to a qualifying middle credit score.
Open calculatorCompound Interest Calculator
Show borrowers what their down payment would have done in the market — sometimes the right answer is 'don't buy yet.'
Open calculatorSavings Calculator
Reverse-engineer how long until they hit a 20% down payment given their current savings rate.
Open calculatorSalary Calculator
Convert hourly, weekly, biweekly to annual gross. The number that anchors every DTI calculation.
Open calculatorPaycheck Calculator
Net take-home after federal, state, FICA. Useful for self-employed borrowers reconciling 1099 to W-2 equivalent.
Open calculatorNet Worth Calculator
Snapshot of reserves and assets — what underwriting will eventually pull from the borrower's statements anyway.
Open calculatorDays Between Dates
Lock period math, rate-lock expiration, time on market. The boring tool that prevents 11th-hour relock fees.
Open calculatorA realtor sends you a pre-qual referral on a Tuesday afternoon. Here's the call.
Sam Okafor, the realtor, sends a 4:15pm text: clients are looking at a $485k house in Pinewood Falls, want to know what the payment looks like. They've got 10% down, decent credit, dual W-2 income, and a four-year-old Honda still on a loan. You've got 20 minutes before the showing.
Open the mortgage calculator: $485k purchase, $48,500 down, 30-year fixed at today's pricing, plus county tax rate and a homeowner's insurance estimate from the bordering ZIP. PITI lands at $3,180. PMI adds about $140 because they're under 20% down. You text Sam: 'Quote $3,320 PITI all-in at current pricing — DTI looks fine on the gross income they listed.' He's at the showing in five minutes with a real number.
On the call, you screenshare the same calculator and run a second scenario: same house at 20% down. Payment drops to $3,000 because PMI disappears. The borrower asks where the extra $48k comes from. You pull up the savings calculator — at $2,500/month into a HYSA they're nine months away. You float a piggyback option, run it, dismiss it because it doesn't pencil. Then you load up the auto loan calculator with the Honda payoff. Showing them that the $440 monthly auto payment is costing them roughly $30k of borrowing power on the mortgage side is the moment the conversation tilts.
You finish with the debt payoff calculator on a $4,200 credit card balance — six months of avalanche-method payments and the borrower's middle score is likely 25 points higher, which moves them out of the LLPA hit on a 90% LTV. You email all three scenarios as PDFs from the calculator, cc Sam, and tell them you'll re-quote in 60 days when the score moves. Total time on the call: 22 minutes. Total time you would have spent in Encompass to model the same thing: closer to two hours.
Put the loan officer toolkit on your site.
Free. No signup. No tracking pixel for your visitors. Works on WordPress, Squarespace, Webflow, or raw HTML. Customize colors and fonts to match your brand. Hosted and updated by us.
<iframe src="https://metricscalculator.com/embed/finance/mortgage-calculator" width="100%" height="500" style="border:none;border-radius:8px" title="Mortgage Calculator" loading="lazy"> </iframe>
Standard iframe — no scripts, no dependencies. Drop it in any HTML block.
Before you bookmark.
Frequently Asked Questions
Are these calculators accurate enough to quote a borrower?
For directional quotes and lead conversations, yes — they use standard amortization math and PITI components. For locked rates, LLPAs, MI factors, or specialty programs (jumbo, non-QM, VA funding fees, FHA UFMIP), pull from your LOS. Use these to qualify the lead and frame the conversation; use Encompass / Optimal Blue / your AUS for the actual pricing.
Can I embed the mortgage calculator on my LO bio page or branch website?
Yes. Every calculator has a one-click embed builder where you pick brand colors, fonts, and border style. The output is a single iframe — no scripts to install, no NMLS-related disclosure required by us (you'll need your own NMLS ID footer per regulation, but we don't add anything that would conflict with state advertising rules). Free, no signup.
Will my compliance / marketing team approve an external embed?
Most do — the iframe is sandboxed, runs no JavaScript on your parent site, sets no cookies on your visitors, and contains no advertising. The only required visible element is the small 'Powered by' attribution under the widget. If your bank or wholesale lender has a preferred-vendor policy, get sign-off first; pure independents and brokerages typically clear it in a week.
Can I customize the calculator to default to my pricing or my MSAs?
The bg, accent color, font, and border are customizable via the embed builder UI. For preset rate, term, or MSA defaults, that's a custom build — for higher-authority origination sites we can wire those in. Reach out via the contact page with your URL.
Do borrowers see my logo or your logo on the embedded version?
Your site frames the iframe — borrowers see your branding everywhere on your page. Inside the calculator widget itself there's a small 'Powered by MetricsCalculator' link at the bottom (per our terms), but the calculator interface itself adopts your colors and fonts. To borrowers, it looks like a tool you built.
Which calculator drives the most leads on a typical broker site?
The mortgage calculator, by a wide margin. Put it above the fold on your homepage with a 'Talk to a loan officer' CTA underneath the result. The refi candidates self-identify in the calculator; you follow up. Second-best is the debt payoff calculator on a 'how to qualify' content page — it brings in pre-qual prospects 6–12 months before they're ready, which is when you actually want to be in their inbox.