About

About The Mortgage & Real Estate Ally

The Mortgage and Real Estate Ally is a free suite of real estate and mortgage calculators covering home affordability, full payment breakdown with taxes and PMI, amortization schedules, first-time buyer program eligibility, 15 vs 30 year mortgage comparison, investment property cash flow analysis, and short-term rental income estimation by market. The STR tools and investment analysis are informed by real-world property management experience and published expertise in the short-term rental industry.

Why we built this

Most mortgage calculators omit property taxes, insurance, and PMI — understating your real payment by hundreds of dollars. Most investment property calculators ignore vacancy, maintenance, and CapEx reserves — making bad deals look good. We built this to give buyers and investors the honest numbers before they commit to one of the largest financial decisions of their lives.

Our principles

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Always free
Every tool on this site is free to use with no sign-up, no subscription, and no paywalled features.
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Privacy first
We don't collect personal data. Calculations happen in your browser. Files you upload never leave your device.
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Accuracy matters
Every formula and data point is researched and documented. We cite sources and update content when standards change.
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Works everywhere
Designed to work on any device — phone, tablet, or desktop — without installing anything.

How this site is supported

The Mortgage & Real Estate Ally is free to use and always will be. The site is supported by advertising through Google AdSense. You may see ads displayed on the page — these are served by Google based on general browsing context and help cover the costs of building and maintaining the tool.

We don't accept paid placement, sponsored content, or affiliate arrangements that influence our tool outputs or recommendations. The tools produce results based purely on the inputs you provide — advertising relationships have no bearing on what the calculator shows you. See our Privacy Policy for full details on how advertising cookies work.

Accuracy and limitations

Mortgage calculations use standard amortization formulas. STR income estimates are based on published market averages from AirDNA and industry sources and are not guaranteed. Investment property calculations are estimates for planning purposes. Always consult a licensed mortgage professional, financial advisor, and real estate attorney before making real estate decisions.

If you notice an error, outdated information, or have a suggestion for improving the tool, we'd love to hear from you. Use the contact form and we'll review it promptly.

Get in touch

Questions, feedback, corrections, or partnership inquiries — we read everything and respond to most messages. Use the contact form to reach us.