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Terms of Service

Last updated: October 30, 2026

These terms cover your use of MortgageCalculator.me, our calculator widget and our API (together, "the service"). The service is run by SiteTools, Inc. By using it, you agree to these terms.

1. Estimates, not advice

Our calculators give estimates for planning only. They are not financial, legal or tax advice, and they are not a loan offer. Actual rates, payments, taxes, insurance and loan terms depend on your lender and your situation. Check important numbers with a qualified professional.

2. Free license for the widget and the API

You may embed our calculator widget on any website, including commercial sites such as real estate, lender, builder and blog sites, and you may call our public API from your own apps and sites. It's free, with no sign-up. This license is non-exclusive and worldwide, and it lasts until you stop using the service or we end it under section 4.

When you use the widget or the API, please:

• Use the embed code from our widget page and load the widget from mortgagecalculator.me. Don't copy, modify or re-host the widget's code.
• Don't hide or change the results, or present the calculator as a quote, a loan offer or advice from you.
• Don't use it on sites that are illegal, deceptive or harmful.
• Stay within the API rate limit described on our developer page, and don't try to overload or disrupt the service.

The embed code includes a small "by MortgageCalculator.me" link under the calculator. We ask that you keep it, since it helps us keep the tool free, but it isn't a condition of this license.

3. Using the site

Don't use the service to break the law, to send spam through our contact form, or to attack or overload our systems. Automated access is fine through the API within its limits.

4. Changes and availability

We may change, pause or stop any part of the service, including the widget and the API, at any time. We may end the license for a site that breaks these terms. We'll try to give notice of big changes on this page or our developer page.

5. Ownership

The site, the widget, the calculators and the MortgageCalculator.me name belong to SiteTools, Inc. Apart from the license in section 2, these terms don't give you any rights to them.

6. No warranty

The service is provided "as is" and "as available", without warranties of any kind, including accuracy, fitness for a particular purpose and uninterrupted availability.

7. Limitation of liability

To the extent the law allows, SiteTools, Inc. is not liable for any indirect, incidental or consequential damages, or for decisions made based on the calculators' results. Because the service is free, our total liability for any claim is limited to $100.

8. Governing law

These terms are governed by the laws of California, and any dispute will be handled in the courts of Los Angeles County, California.

9. Privacy

Our privacy policy explains what we collect, including what the widget and the API send to our server.

10. Contact

SiteTools, Inc. (MortgageCalculator.me), 1411 Federal Ave, Los Angeles, CA 90025. Reach us through our contact form.

Data sources

Place names from GeoNames (CC BY 4.0) and the U.S. Census Bureau. Rates from the Freddie Mac Primary Mortgage Market Survey (PMMS).