# KeyRate
> Free mortgage calculators with real formulas, instant results, and visual breakdowns.

## Mortgage Calculators
- [Mortgage Calculator](/): Main calculator with payment breakdown and principal vs interest pie chart
- [Monthly Payment Calculator](/monthly-payment): Detailed PITI breakdown with property taxes, insurance, and PMI
- [Home Affordability Calculator](/affordability): How much home you can afford based on income, debts, and down payment
- [Refinance Calculator](/refinance): Should you refinance? Current vs new loan side-by-side comparison
- [Rent vs Buy Calculator](/rent-vs-buy): Compare total cost of renting vs buying over time
- [Extra Payments Calculator](/extra-payments): How extra payments shorten your mortgage and save interest
- [Amortization Schedule](/amortization): Full amortization schedule with yearly and monthly views
- [Closing Costs Calculator](/closing-costs): Estimate closing costs by state with itemized breakdown
- [Down Payment Calculator](/down-payment): Down payment amounts with PMI impact at different levels
- [ARM vs Fixed Calculator](/arm-vs-fixed): Adjustable rate vs fixed rate mortgage comparison

## Features
- Real financial formulas (standard amortization, PITI, DTI)
- Sensible defaults ($400K home, 7% rate, 30-year term)
- Visual charts and bar graphs
- Side-by-side comparisons for refinance and ARM vs fixed
- State-specific closing cost estimates
- PMI calculation with automatic drop-off point
- Mobile-friendly, no sign-ups required