Mortgage Matic is a free mortgage calculator WordPress plugin. Add the shortcode [mortgage_matic] to any page and visitors can estimate a monthly payment from the home price, down payment, interest rate and loan term, with property tax, home insurance and HOA dues if they want them. Nothing they type leaves their browser.
I built it for real estate and mortgage sites that need a clear calculator, not a lead form dressed up as one. It is on WordPress.org and costs nothing.
What the mortgage calculator shows
Visitors fill in the basics and, if they like, the extra costs:
| Input | Notes |
|---|---|
| Home price | The purchase price |
| Down payment | Starts at 20% of the price |
| Interest rate | Annual rate, not APR |
| Loan term | 10, 15, 20 or 30 years, fixed rate |
| Property tax and home insurance | Optional, entered per year |
| HOA and mortgage insurance | Optional, entered per month |
The result is an estimated monthly payment, split into principal and interest, property tax, home insurance, and HOA plus mortgage insurance. It also shows the loan amount and the total interest over the life of the loan. Amounts are in US dollars.
Add the mortgage calculator to a WordPress page
- In WordPress, go to Plugins, Add New, and search for “Mortgage Matic”.
- Install and activate it.
- Edit the page where you want the calculator and add
[mortgage_matic]. In the block editor, use a Shortcode block. - Publish and try it on the live page.
There are no settings to configure. It needs WordPress 6.5 or newer and PHP 8.1 or newer.
What it does not do, on purpose
- No lead capture. There is no form to submit. Visitors do not give a name or email to see a number.
- No tracking. The plugin collects, stores and sends no visitor information.
- Self-contained. Every script, font and image loads from your own site.
- No guesses. It does not estimate mortgage insurance, closing costs or lender fees. The page says so next to the result.
That last point matters on a mortgage site. A calculator that quietly leaves costs out sets the wrong expectation. Mortgage Matic labels the result as a planning estimate for budgeting.
Who it is for
- Real estate agents who want a calculator on listing or buyer pages.
- Mortgage brokers and loan officers who need a quick estimate on their site.
- Agencies building property sites that want a calculator without an account, an API key or a monthly fee.
Why build another mortgage calculator WordPress plugin?
I set three rules for it. Show the number without asking for an email. Load nothing from another server. Include the taxes and insurance that make up a large part of a real payment, and say plainly what is left out. The result is one shortcode, honest numbers and nothing sent anywhere.
Common questions
Is Mortgage Matic free?
Yes. It is free on WordPress.org under the GPL license.
Does it include closing costs?
No. Closing costs, lender fees and future changes to taxes or insurance are not included.
Can visitors enter property tax and insurance?
Yes. Property tax and home insurance are yearly amounts. HOA dues and mortgage insurance are monthly amounts. All four are optional.
Does the calculator need JavaScript?
Yes. If scripts cannot load, the calculator shows a note and no estimate.
Does it work in other currencies?
Not today. Amounts are in US dollars.
Does it collect any visitor data?
No. The numbers stay in the visitor’s browser and nothing is submitted.
Install the mortgage calculator WordPress plugin
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