What is 50 Year Mortgage Calculator?
Calculate mortgages instantly—100% in the browser, no tracking. Compare 50-year vs 30-year mortgages with interactive charts. See the real numbers: monthly savings vs. total interest. Features: • Amortization tables with PITI breakdown • Shareable results via URL • Educational FAQ & policy explainer • Open-source, mobile-first Built with Next.js, React, Recharts. Free forever.
Problem
Users currently rely on standard 30-year mortgage calculators or manual spreadsheets to compare long-term mortgage options, which lack interactive visualization, PITI (principal, interest, taxes, insurance) breakdowns, and clear long-term interest impact analysis.
Solution
A web-based mortgage calculator tool that enables users to instantly compare 50-year vs. 30-year mortgages with interactive charts, amortization tables, and shareable results. For example, users input loan details to visualize monthly savings vs. total interest differences and export/share scenarios.
Customers
Homebuyers exploring extended repayment plans, real estate agents advising clients, and financial planners analyzing loan structures (demographics: ages 25-45, tech-savvy, financially literate).
Unique Features
Open-source codebase, 100% browser-based calculations (no data tracking), shareable URL results, embedded educational FAQ/resource library, and mobile-first design with PITI breakdowns.
User Comments
Simplifies complex mortgage comparisons instantly
Interactive charts make interest differences clear
No tracking or sign-up required for privacy
Educational content helps first-time buyers
Open-source transparency builds trust
Traction
Featured on ProductHunt with 100% browser-based usage; open-source GitHub repository (no disclosed user/revenue metrics yet).
Market Size
The U.S. mortgage market reached $11 trillion in outstanding debt in 2023 (Federal Reserve data), with digital mortgage tools gaining traction among 78% of homebuyers (NAR 2023 report).
