Free tools for clearer mortgage and debt decisions.
MortgageWise is an independent website that helps people understand the real monthly and lifetime cost of a home loan. It offers a free mortgage calculator with taxes, insurance, HOA fees, and an amortization schedule, along with debt calculators and plain-language guides.
Who runs it
MortgageWise is written and maintained by Ramziss, an independent solo creator interested in making free tools that help people. I am not a licensed mortgage originator, lender, or financial adviser.
Why this site exists
Many mortgage tools show only principal and interest. In real life, a housing payment can also include property taxes, homeowners insurance, HOA dues, and sometimes mortgage insurance. MortgageWise was created to show more of the whole picture before you speak with a lender, so you can ask better questions and compare options with clearer numbers.
How the calculators work
- The mortgage estimate uses the standard fixed-rate amortization formula for principal and interest.
- Taxes, insurance, HOA dues, and other housing costs are estimates entered by the visitor.
- The amortization schedule shows how estimated payments are divided between interest and principal.
- Debt calculators provide simplified payoff estimates based on the inputs supplied.
Funding and transparency
MortgageWise is currently funded personally. The site may display advertising and a voluntary tip jar. Advertising and tips do not change how the calculators work or what the guides say.
Contact
Questions and corrections are welcome at ramzi.alsaqqar@proton.me.