About Mirovi Home

Mirovi Home publishes free, independent calculators and guides for buying, financing and improving a home. We are not a lender, broker or real estate agent, we don’t sell leads, and no company pays to appear in our results.

What we believe a calculator owes you

The formula. Every tool shows the math it uses, in plain notation, with a worked example you can check by hand.
The source of every number you didn’t type. Property tax rates, PMI ranges, FHA premiums, debt-to-income limits and material coverage figures are cited to their original publisher with the year.
Honest defaults. Default interest rates and insurance premiums are labelled as examples. We don’t show “today’s rates” because we don’t have a reliable live feed, and a stale rate presented as current would mislead you.
Privacy. Calculations run entirely in your browser. The numbers you enter are not sent to our server; they are kept only in the page address so you can share a result.

How we test

All calculations live in a single library shared by the website and an automated test suite. Each calculator has test cases whose expected answers were worked out by hand from the standard formulas and cross-checked against published amortization values (for example, a $200,000 loan at 6% over 30 years has a payment of $1,199.10). The site is not deployed unless every test passes. Pages that quote example figures compute them with the same library, so the text and the tools can’t disagree.

Our data sources

We prefer primary sources: U.S. Census Bureau survey data, federal agencies (CFPB, HUD), the government-sponsored enterprises (Fannie Mae, Freddie Mac), federal law, and manufacturers’ published product data. The full list is on our sources page.

Update policy

We review every page at least once a year and whenever a source publishes new data — for example, when the Census Bureau releases new American Community Survey estimates or HUD changes FHA premiums.
Each page shows when it was last updated.
If you find an error, tell us. We correct factual and calculation errors promptly and note significant changes on the page.

What our tools are — and aren’t

Our results are estimates for planning and education. They are not loan offers, financial advice, tax advice or a substitute for a professional. Your lender’s Loan Estimate, your county assessor and your contractor have the final word. See our disclaimer.

The calculators

Advertising

We may show advertising to keep the site free. Ads are always visually separate from calculator results and never influence our figures or recommendations. See our privacy policy for how advertising cookies work and how to opt out.