How much house can you afford? Our Excel mortgage affordability calculator will help you find a complete housing budget. Includes an estimated APR.

Calculate home mortgage loan.

Mortgage Software

APR calculator built in

Budget your mortgage decision

Determine how much "real world" house, or home, you can afford. Is instantly calculating loan affordability scenarios and seeing how it will impact your lifestyle (traveling etc.), within the privacy of your home, worth $19?

Built in instructions, examples, definitions and tips teach you how to instantly develop a real world housing budget. Try the FREE trail version and see for yourself.

Mortgage report

The Mortgage Genie produces a stunning report which may be shared amongst all parties thus streamlining the entire purchasing process. Quick, accurate and powerful scenarios flash before your eyes and you may instantly print them out. When you are ready to take action, simply hand the appropriate parties the report. This is a big time saver.

Mortgage & lifestyle

Money Cops mortgage calculator makes if very clear what the "true" cost of home ownership is. Our software can help you make the best decision possible for a mere $19...all from the privacy of your home. And, it is so easy to use...

Mortgage Software

FREE trial version here
Mortgage Genie™

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APR button & calculator

You will find two new buttons added to the Excel tool bar menu. One is for calculating APR, the other for changing the ratio limits. Clicking the APR% button displays the APR calculator.

Use this calculator to enter in expenses that are used to calculate the APR. PMI (down), Points, and Origination Fees are entered in automatically by the program.

Ratio limits button & form

Clicking the $Change Ratio Limits button displays the $Change Ratio Limits Form. Clicking the 28% or 36% buttons resets either ratio to these "default" settings. The other buttons allow you to change the limits up or down.

FREE Excel version

To either try the trial version for free, or purchase the full version, go to the software download section of our site. Payment is via PayPal and you will instantly be able to download the full version after payment is made.

Adding the Analysis ToolPak

The calculator requires this component installed.Go to the Tools menu and choose Add-Ins... The following dialogue box (see right) should appear. Make sure the Analysis ToolPak option is checked, then click OK. Close and reopen Excel.

Holy Macro!

Our Excel calculator will not function without macro's enabled. ALWAYS choose to "enable macro's" if asked. IMPORTANT: TO AVOID ANY PROBLEMS, DO NOT EXCEPT THE SOFTWARE PROGRAM FROM ANY SOURCE BUT MoneyCops.com.

Unzipping the File

After downloading the file, simply double-click the file and a splash screen will be displayed. Click the "Browse" button and choose any place on your computer you wish. Then, click "Unzip" and close the splash screen.

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