Our Mission
To provide homebuyers, homeowners, and financial strategists with mathematically precise, completely unbiased, and zero-tracking calculator tools. We believe that life-altering financial decisions should not be gated by corporate registrations, cluttered with ads, or skewed by commercial lending bias.
What Makes Us Different
100% Client-Side Privacy
Your salaries, house budgets, and debt numbers are processed in-browser. Nothing is saved or sent to external databases.
No Lead-Gen Bias
Unlike bank or corporate portals, we don't sell loans. We present direct, objective mathematical figures.
Rigorous Financial Rules
We detail front-end/back-end DTI limits, the 5% Rent vs. Buy unrecoverable costs rule, and PMI compound math.
Why We Built LoanMath
Online mortgage calculators have slowly transformed from utility tools into advertising boards. Most calculators hide their formulas, assume default parameters that make loans seem cheaper than they are, or try to sell your personal data to regional mortgage brokers.
We wanted to build an alternative—a clean, beautiful, and distraction-free sanctuary for real estate calculations. Whether you are analyzing a 15-year vs. 30-year amortization curve, assessing your home affordability DTI limits, evaluating if renting is smarter, or calculating bi-weekly prepayments savings, LoanMath puts you in full control.
Our Formulas & Logic
All calculations are executed utilizing industry-standard equations:
- Standard Amortization: Compounded monthly according to exact principal and interest allocation logic.
- DTI Ratios: Standard front-end (28% PITI) and back-end (36% total debt) guidelines used by major underwriters.
- Prepayment Math: Reducing outstanding principal balances instantly to calculate exact compounding interest saved over the lifetime of a mortgage.
- Rent vs Buy 5% Rule: Accounting for real estate transactional fees, maintenance rules (1% of home value), and property tax opportunity costs.
Have Questions or Suggestions?
We are constantly refining our algorithms. Feel free to contact our support team.