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Mortgage
View all 13 mortgage calculators
Certificates of Deposit
Savings
Why CalcRates?
Built for US consumers who want clear, accurate financial math without the fluff.
Accurate Reference Data
Rates sourced from Freddie Mac PMMS, Federal Reserve, and FDIC. Updated regularly.
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Real-Time Calculations
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Current Reference Rates
Market reference rates as of May 2026. These are averages — your actual rate will depend on your credit, lender, and loan details.
30yr Fixed
6.81%
Freddie Mac PMMS
15yr Fixed
6.12%
Freddie Mac PMMS
Federal Funds
4.33%
Federal Reserve
Prime Rate
7.50%
Wall Street Journal
FDIC Insured
$250K
Per depositor
Rates are for reference only. Not financial advice. Source: Freddie Mac PMMS, Federal Reserve, May 2026.
Frequently Asked Questions
Yes, all CalcRates calculators are completely free. There's no signup, no subscription, and no paywall. Every calculator runs entirely in your browser — your data never leaves your device.
Mortgage reference rates come from Freddie Mac's Primary Mortgage Market Survey (PMMS), published every Thursday. The federal funds rate comes from the Federal Reserve. CD and savings data reference FDIC reports. These are averages — your personal rate will vary based on credit score, lender, and market conditions.
Our mortgage payment calculations use the standard fixed-rate amortization formula and are mathematically precise. However, your actual lender payment may vary due to escrow for property taxes and homeowner's insurance (PITI), PMI if applicable, and lender-specific rounding. Use our numbers as a reliable estimate, then confirm with your lender.
APR (Annual Percentage Rate) is the nominal interest rate, commonly used for loans and mortgages — it does not include the effect of compounding within the year. APY (Annual Percentage Yield) accounts for compounding frequency and represents the effective annual return on savings or CDs. For the same stated rate, higher compounding frequency produces a higher APY.
No. CalcRates provides informational calculators and educational reference data only. Nothing on this site constitutes financial, tax, or legal advice. Always consult a licensed financial advisor, mortgage professional, or CPA before making major financial decisions.