Mortgage Calculators for
Every Step of the Process.
Mortgage Decision Engine
Not just a payment number. A full buyer readiness score, DTI zone chart, and What-If simulator in one guided flow. The most advanced free mortgage tool available.
More Mortgage Calculators
Accurate, purpose-built calculators for US homebuyers and mortgage brokers.
Want This on Your Own Website?
These free calculators are a great starting point. If you’re a broker who wants full lead capture or a faster path to completed applications, here are your two options.
Decision Engines
A guided, multi-step assessment that scores buyer or refinance readiness, then captures the full lead into your own Google Sheets or CRM. Install it once and own it forever.
See Decision Engines →MDE Pro
A fast 8-question readiness check that sends qualified borrowers straight into your existing application system, whether that’s Floify, Arive, LendingPad, or any URL.
See MDE Pro →Want to see them live first? Browse broker demos →
Built Different. Built for Brokers.
Free Forever
These calculators have no subscriptions, trials, or hidden fees. Completely free to use.
Privacy First
All free tools run in your browser. No tracking, no data storage, no account required.
Real Developer
Every calculator is personally built, tested, and maintained by Sanjeev Kumar.
Regularly Updated
Calculators are reviewed and updated whenever lending standards or rates change.
Built by Sanjeev Kumar
Sanjeev Kumar founded OurNetHelps after noticing how few mortgage calculators were actually built for brokers, rather than adapted from a generic finance template. He has 10+ years of experience in web development and SEO, and personally builds and maintains every calculator, Decision Engine, and MDE Pro for homebuyers and mortgage professionals.