Yes. All calculations are performed locally in your browser. No data is sent to any server. Your financial information never leaves your device and is stored only in your browser's local storage for your convenience.
Your input values are saved in your browser's local storage so they persist when you refresh the page. You can clear this data at any time using the "Clear Form" button. The data is only accessible from your device and browser.
PI Budget is calculated as 50% of your gross monthly income minus property taxes. This represents the maximum recommended amount for your principal and interest payment to maintain housing affordability.
PPK (Payment Per Thousand) is the monthly payment amount for every $1,000 borrowed. For example, a PPK of $6.32 means you pay $6.32 monthly for each $1,000 of your loan.
The calculator uses 2025 federal tax brackets and average state tax rates for estimates. Actual taxes may vary based on deductions, filing status, and local taxes. Consult a tax professional for precise calculations.
This calculator does not include homeowners insurance, HOA fees, PMI (private mortgage insurance), utilities, maintenance, or closing costs. These can add significantly to your monthly housing expenses.
Because financial literacy is important, and most banks will not show you the math involved. My hope is that having an interactive calculator can help people to plan better for their future. Understanding how mortgage payments, taxes, and income interact empowers you to make informed decisions about one of life's biggest financial commitments.
Absolutely not. In fact, this entire page is a single .html file with jQuery and Tailwind CSS all loaded locally from my domain name. There are no beacons for ads or any other invasive tracking. This is how the web was meant to be - fast, private, and respectful of your data. No cookies, no analytics, no third-party scripts.
This calculator is for informational and educational purposes only. It does not constitute financial, tax, or legal advice. The calculations are estimates based on the information you provide and may not reflect actual loan terms or costs. Please consult with qualified professionals (mortgage broker, financial advisor, tax professional, or real estate attorney) before making any financial decisions. Interest rates, tax laws, and lending requirements change frequently and vary by lender and location.