Who We Are
OwnCalc is built and maintained by Nexus Technologies, an independent publisher of free web-based calculator tools. We build tools that give everyday people access to the same calculations a financial professional would run — instantly, privately, and at no cost.
We have no affiliation with any lender, bank, or financial institution. Our only goal is to help you understand your numbers before you make a decision.
What OwnCalc Does
OwnCalc provides 10 free home finance calculators covering every major decision a homebuyer, homeowner, or renter faces:
- Mortgage payment with full PITI breakdown
- Home affordability based on income and debts
- Refinance savings and break-even analysis
- Rent vs buy comparison over 5, 7, and 10 years
- Full amortization schedule, extra payments, down payment, closing costs, home equity, and insurance estimation
Every calculation runs entirely inside your browser. Nothing is ever sent to a server, stored, or shared.
Privacy & Data
We take your privacy seriously. Here is exactly what happens when you use OwnCalc:
- Your numbers are calculated locally in JavaScript — they never leave your device
- No account, login, or personal information is required
- We only store your dark mode preference in local storage
- Third-party ads (Google AdSense) may use cookies — see our Privacy Policy for details
Important Disclaimer
All results produced by OwnCalc are estimates for informational and educational purposes only. They do not constitute financial, legal, tax, or investment advice. Always consult a qualified financial advisor, mortgage professional, or licensed lender before making any financial decision. Nexus Technologies makes no guarantees as to the accuracy, completeness, or suitability of any calculation results for your specific situation.