Title: Amortexa Mortgage Calculator Author: Muhammad Tariq Published: October 8, 2026 Last modified: October 8, 2026 --- Search plugins ![](https://ps.w.org/amortexa-mortgage-calculator/assets/banner-772x250.png?rev= 3734606) ![](https://ps.w.org/amortexa-mortgage-calculator/assets/icon-256x256.png?rev=3734606) # Amortexa Mortgage Calculator By [Muhammad Tariq](https://profiles.wordpress.org/mtariqsmd/) [Download](https://downloads.wordpress.org/plugin/amortexa-mortgage-calculator.1.0.0.zip) * [Details](https://wordpress.org/plugins/amortexa-mortgage-calculator/#description) * [Reviews](https://wordpress.org/plugins/amortexa-mortgage-calculator/#reviews) * [Installation](https://wordpress.org/plugins/amortexa-mortgage-calculator/#installation) * [Development](https://wordpress.org/plugins/amortexa-mortgage-calculator/#developers) [Support](https://wordpress.org/support/plugin/amortexa-mortgage-calculator/) ## Description Amortexa adds a **Mortgage Calculator** block to the block editor. Drop it on any page and visitors get a working, self-contained mortgage calculator with live results, charts, and a full amortization schedule. #### Key features * **Live calculation.** Monthly payment, financed principal, total interest, and total paid update instantly as visitors type or drag a slider. * **Down payment support.** Interest is correctly charged on the financed principal only, not the full purchase price. * **Real monthly cost, not just principal and interest.** Turn on recurring costs to add property tax, home insurance, HOA fees, PMI, and any other monthly costs, and the calculator reports a genuine total monthly payment. Each component is a cash amount or a percentage of the purchase price, and the results and the composition chart both include it. * **PMI that cancels itself.** When PMI is set, the balance is walked forward month by month and PMI stops the first month the loan reaches 80% of the purchase price, the later of automatic cancellation and the point you could request it yourself. Charge it to term end and it overstates what you would actually pay. * **Twenty-four built-in skins.** Twelve light and twelve dark: Classic Light, Elegant Dark, Ocean Blue, Sunset Warm, Forest Green, Midnight Violet, Rose Quartz, Minimal Slate, Royal Grape, Aqua Fresh, Mocha Cream, Cyber Neon, Emerald Nights, Crimson Dusk, Graphite, Copper Forge, Royal Sapphire, Amber Gold, Cobalt Blue, Fuchsia Bloom, Mint Fresh, Sandstone, Lemon Zest, and Steel Blue — chosen per block. * **Colour and typography controls.** Override the accent, secondary accent, label, and field text/background/border colours, and pick a font family — all per block, without writing CSS. * **Dependency-free SVG charts.** A payment-composition donut and a balance-over- time line chart with cumulative interest, drawn in plain SVG. No charting library, no external requests. * **Amortization schedule.** Annual rows showing principal paid, interest paid, and remaining balance, collapsible on the front end. * **Works without JavaScript.** The block is fully server-rendered, so results and the schedule are correct even with scripting disabled. JavaScript is progressive enhancement that adds live recalculation and the charts. * **Responsive by container.** The layout adapts to the block’s own width rather than the viewport, so columns stack, sliders wrap, and the schedule scrolls neatly inside narrow columns. * **Customisable currency.** Set the symbol per block or site-wide, and place it before ($99) or after (99 €) the amount. * **No tracking, no external services.** The plugin makes no network requests, loads no third-party fonts, and stores no personal data. #### Site-wide defaults Under the **Amortexa** menu you can set the defaults every new calculator block starts from: currency symbol, interest rate, decimal precision, loan amount, down payment, term, default skin, default chart type, and whether the amortization table is shown by default. Individual blocks can still override any of these in the editor. #### Developer friendly All mortgage math lives in pure, reusable PHP functions, mirrored by an equivalent JavaScript implementation for instant client-side feedback. A parity test in the repository asserts the two agree exactly. The plugin also exposes a REST endpoint and a set of documented actions and filters for extending skins, defaults, results, currency, and rate limiting. ### Privacy Amortexa does not collect, store, or transmit any personal data. The calculator runs entirely in the browser and on your own server. Visitor input is never saved to the database, never sent to the plugin author, and never used for analytics. The only data the plugin persists is your own site-wide settings ( currency symbol, defaults, and so on), stored in a single `amortexa_settings` option in your site’s database. That option is deleted automatically when you uninstall the plugin. ## Blocks This plugin provides 1 block. * Mortgage Calculator Interactive mortgage calculator with monthly payments, charts, and an amortization schedule. ## Installation 1. Upload the `amortexa-mortgage-calculator` folder to the `/wp-content/plugins/` directory, or install the plugin through the WordPress admin **Plugins** screen. 2. Activate the plugin. Go to **Plugins Installed Plugins** and click **Activate** under Amortexa. 3. Optionally set your site-wide defaults under the **Amortexa** menu. 4. Edit any post or page, open the block inserter, search for “Mortgage Calculator”, and drag the block into the content area. It appears in the custom **Amortexa** category. ## FAQ ### Does the calculator work without JavaScript? Yes. The block is server-rendered: the initial results and amortization table are computed in PHP from the block’s attributes, so the calculator is usable with scripting disabled. JavaScript only adds live recalculation while typing and draws the charts. ### Why does the amortization table show years instead of months? A 30-year loan produces 360 monthly rows, which would bloat every page load. Rows are aggregated annually to keep pages fast; the underlying schedule is still calculated month by month, so the per-year figures are accurate. ### How do I work out my real monthly payment? Turn on **Show costs** and fill in the recurring costs you actually pay: property tax, home insurance, HOA fees, PMI, and any other monthly costs. The results then show a **Total monthly cost** alongside principal and interest, plus what you would pay out of pocket in total over the life of the loan. The payment composition chart gains a slice per cost, and the amortization schedule carries them through year by year. Every cost that can reasonably be quoted as a rate has a unit switch, so you can enter, for example, property tax as `1.25%` or as a cash amount such as `$1850` a year. Percentage costs are worked out from the purchase price. Only the components you turn on are rendered, so an existing calculator keeps exactly the field list it already had. ### When does PMI stop? As soon as the loan balance reaches 80% of the original purchase price, unless that happens later in the schedule. Federal rules require a lender to cancel PMI automatically at 78% and allow you to request cancellation from 80%, so Amortexa uses 80%: it never charges PMI past what you would actually be entitled to stop, and it stops as early as the rules permit. If your loan starts at 80% LTV or below, PMI is not charged at all. ### Can I change the currency symbol? Yes. Set it per block using the block’s “Currency symbol” setting, site-wide under the **Amortexa** menu, or programmatically with the `amortexa_currency_symbol` filter. Each block can also place the symbol before the amount ($99) or after it (99 €) using the “Currency position” setting. Amounts are formatted with your locale’s number separators. ### Is there a REST API? Yes. Send a `POST` request to `/wp-json/amortexa-mortgage-calculator/v1/calculate` with a JSON body such as `{ "amount": 300000, "down_payment": 60000, "interest_rate": 6.5, "term_years": 30 }`. Pass `"with_schedule": true` to include the amortization schedule in the response. The endpoint is a stateless calculator that returns only public arithmetic and no private data, so it is open to unauthenticated requests by design. If you need to require authentication, return `false` from the `amortexa_rest_calculate_allowed` filter. Calls are rate limited per client address: 30 requests per minute by default, after which the endpoint answers `429 Too Many Requests` with a `Retry-After` header. Adjust it with the `amortexa_rest_calculate_rate_limit` and `amortexa_rest_calculate_rate_window` filters, or return `0` from the first to switch throttling off. Buckets are keyed on the remote address only, because forwarded headers can be forged; behind a proxy or CDN, return a trusted client address from the `amortexa_rate_limit_client_key` filter so visitors are not grouped together. ### Can I insert the calculator with a shortcode? The `[amortexa-mortgage-calculator]` shortcode is supported alongside the block and accepts every loan, cost, layout, panel, skin, chart and schedule attribute. The per-element appearance settings from the Design tab are block-only, because they are styled by your site-wide defaults and a shortcode cannot sensibly reproduce a design token map. On the **Amortexa** > **Shortcode** tab each exposed attribute has an input, and a sample shortcode rebuilds and copies as you change them: ``` [amortexa-mortgage-calculator loanamount="350000" interestrate="4.75" loanterm="30" charttype="bar" showcosts="true" propertytax="1.25"] ``` Attributes are lowercase and values are wrapped in double quotes. Clearing a field leaves that attribute out, so your site-wide defaults control it instead. Add the finished shortcode to any post, page, or widget area. ### Can I add the calculator to a sidebar or widget area? Yes. Under **Appearance Widgets** you will find a **Mortgage Calculator** widget. Drag it into a sidebar, footer, or any other widget area and set a title. It is a small wrapper around the `[amortexa-mortgage-calculator]` shortcode, so it renders the same calculator as the block and inherits your site-wide defaults. Only the loan amount, interest rate, loan term, layout, and skin can be overridden per widget, and any field left blank keeps the site default. The widget also appears in the block based widget editor, where you add it with the **Legacy Widget** block. ### Which actions and filters are available? **Filters** * `amortexa_skins` — add or replace the available visual skins. * `amortexa_default_attributes` — override the default loan amount, rate, term, and other block attributes. * `amortexa_default_settings` — override the default admin settings. * `amortexa_calculation_result` — modify the computed result before output, for example to convert currency. * `amortexa_currency_symbol` — replace the resolved currency symbol. * `amortexa_cost_units` — change whether a recurring cost is treated as a percentage or a cash amount. * `amortexa_shortcode_block` — change the block attributes built from the shortcode’s own attributes. * `amortexa_rest_calculate_allowed` — return `false` to require authentication for the REST calculation endpoint. * `amortexa_rest_calculate_rate_limit` — change how many calculation requests a client may make per window. Return `0` to disable rate limiting. * `amortexa_rest_calculate_rate_window` — change the rate limit window length in seconds. * `amortexa_rate_limit_client_key` — change the identifier used to bucket rate limited requests, for example to a CDN supplied client address. * `amortexa_widget_fields` — add or remove fields on the calculator widget. **Actions** * `amortexa_before_calculator_render` and `amortexa_after_calculator_render` — fired immediately before and after the block HTML is generated. * `amortexa_settings_saved` — fired after the admin settings have been sanitized and saved. ### Does the plugin collect or transmit any data? No. See the Privacy section below. ### Requirements * WordPress 6.8 or higher. * PHP 7.4 or higher. * A block theme or a classic theme with the block editor enabled. ### Where is the source code? The complete, human-readable source for this plugin is public and maintained on GitHub: ``` https://github.com/tariqsmd/amortexa-mortgage-calculator ``` The compiled files under `build/` (`index.js`, `view.js`, and `render.php`) are generated from the unminified sources in `src/` by `@wordpress/scripts`, which is why they are not readable line by line. The matching sources are: * `build/index.js` is built from `src/index.js`, `src/edit.js`, `src/save.js`, and the modules under `src/components/` and `src/utils/`. * `build/view.js` is built from `src/view.js`. * `build/render.php` is compiled from `src/render.php`. * `build/style-index.css` and `build/index.css` are compiled from `src/style.scss` and `src/index.css`. * `build/block.json` is copied and version-synced from `src/block.json`. To regenerate every compiled file yourself, clone the repository and run: ``` npm install npm run build npm run build runs `wp-scripts build` (Babel, webpack, and SCSS compilation), then strips byte order marks and syncs the version from the plugin header into `build/block.json`. `npm run release` additionally regenerates the translation template, renders the listing icons and banners, and assembles the WordPress.org-ready archive under `dist/`. The test suite runs with `npm test`, JavaScript and CSS with `npm run lint:js` and `npm run lint:css`, and PHP coding standards with `vendor/bin/phpcs --standard=phpcs.xml.dist`. ``` Everything ships under the GPL v2 or later. If you fork the plugin, please keep it GPL-compatible and release your version publicly. ### Third-party libraries Amortexa bundles no third-party code. Every file it loads is original to this plugin, including the charts, which are drawn in plain SVG rather than by a charting library. There is no jQuery, no Bootstrap, and no charting or animation dependency at runtime. The packages below are used at build time only, to compile the files in `build/` and assemble the release archive. None is included in the plugin and none runs on a visitor’s browser: * `@wordpress/scripts` (MIT) – `https://github.com/WordPress/gutenberg/tree/trunk/ packages/scripts` – Babel, webpack, and SCSS compilation * `sass` (MIT) – `https://github.com/sass/sass` – SCSS compiler, pulled in by `@ wordpress/scripts` * `adm-zip` (MIT) – `https://github.com/cthackers/adm-zip` – writes the release archive * `wp-pot` (MIT) – `https://github.com/wp-pot/wp-pot` – generates the translation template ## Reviews There are no reviews for this plugin. ## Contributors & Developers “Amortexa Mortgage Calculator” is open source software. The following people have contributed to this plugin. Contributors * [ Muhammad Tariq ](https://profiles.wordpress.org/mtariqsmd/) [Translate “Amortexa Mortgage Calculator” into your language.](https://translate.wordpress.org/projects/wp-plugins/amortexa-mortgage-calculator) ### Interested in development? [Browse the code](https://plugins.trac.wordpress.org/browser/amortexa-mortgage-calculator/), check out the [SVN repository](https://plugins.svn.wordpress.org/amortexa-mortgage-calculator/), or subscribe to the [development log](https://plugins.trac.wordpress.org/log/amortexa-mortgage-calculator/) by [RSS](https://plugins.trac.wordpress.org/log/amortexa-mortgage-calculator/?limit=100&mode=stop_on_copy&format=rss). ## Changelog #### 1.0.0 * New: recurring costs — property tax, home insurance, HOA fees, PMI, and other costs — behind an opt-in **Show costs** switch, so a calculator only carries the cost fields you ask for. * New: every cost that can be quoted as a rate carries a unit switch, so it can be entered as a percentage of the purchase price or as a cash amount. Property tax defaults to a rate, the rest to a cash amount. * New: a **Total monthly cost** result and a lifetime out-of-pocket figure alongside the existing principal and interest, total interest, and total paid. * New: the payment composition chart gains a slice per active cost, and the amortization schedule carries recurring costs through each year. * New: PMI ends the first month the balance reaches 80% of the purchase price, instead of being charged to term end. * Improved: cost components each pick up a distinct, automatically chosen colour, with a legend, so the breakdown stays readable across light and dark skins. * Improved: cost figures are clamped by the unit the author chose, so an amount- based premium is no longer truncated by a percentage bound. * New: four layouts — **Stacked**, **Two columns**, **Inputs beside details** ( inputs in one column, results and charts in the other), and **Chart beside inputs**( inputs and results stacked in one column, charts in the other). The amortization table stays full width underneath every one of them, because a four column table is unreadable in a half width column. * New: `amortexa_skins`, `amortexa_cost_units`, and `amortexa_shortcode_block` filters are documented. * New: a Mortgage Calculator widget for sidebars and any other widget area, with optional overrides for amount, rate, term, layout, and skin. * New: a shortcode builder on the Shortcode tab of the Amortexa screen. Every attribute gets an input and the sample shortcode rebuilds and copies as you change them. * New: site-wide defaults for loan amount, down payment, loan term, skin, and chart type on the Amortexa screen, which has its own entry in the admin menu rather than sitting under Settings. * New: per-block toggles to show/hide the results summary and the range sliders. * New: currency symbol position option globally and per block — before the amount( $99) or after (99 €). * New: shortcode attributes for form layout (`formcolumns`) and panel order (`panelorder`). * New: the shortcode carries every recurring cost attribute — `showcosts`, `propertytax`,` homeinsurance`, `hoafee`, `pmi`, `othercosts` and their `*unit` counterparts — matching what the block and the editor expose. * New: twenty-four visual skins across light, dark, and accent colourways. * New: per-element appearance controls in a dedicated Design tab, covering seventy- six design tokens grouped by calculator region. * New: font family selector for the calculator (theme default, modern sans, classic serif, monospace). * New: SVG charts — payment composition donut, balance over time line, annual bar, and dot comparison (no external libraries). * New: range sliders paired with every number input for quick value adjustments. * Improved: the front-end bundle is registered through the block metadata, so assets load in templates and block widgets where `has_block()` cannot detect the block. * Improved: layout adapts to the block’s container width — columns stack, sliders wrap, charts reflow, and the amortization table scrolls inside narrow columns with a sticky first column. * Improved: the shortcode reference moved to its own tab on the Amortexa screen, and the monthly payment announces changes to screen readers. * Improved: the Amortexa screen’s tabs follow the ARIA tabs pattern, so they can be reached with the arrow keys, Home, and End, and only the active tab is a tab stop. * Improved: fields are now labelled once instead of twice, and the first tab is still shown and submittable if the admin script fails to load. * Fixed: the generated sample shortcode’s copy button now copies the sample instead of the plain example above it. * Fixed: the amortization schedule toggle no longer hides its own button, so the table can be collapsed and expanded again. * Fixed: the schedule toggle is revealed once the collapse behavior is active, instead of staying permanently hidden. * Fixed: the down payment can no longer exceed the loan amount, whether the amount is typed or dragged. * Fixed: editor script dependencies are now read from the generated asset manifest, preventing load-order issues in the block editor. * Fixed: the compiled block metadata is regenerated on every build so the registered block name, editor handles, and CSS class names can no longer drift from the source. * Fixed: font weight labels in the editor are now translatable. * Removed: an unused empty bootstrap method, and the duplicated calculation helpers are no longer loaded twice at runtime. * Removed: development-only files (tests, build tooling and the duplicated helper source) from the distributed plugin. ## Meta * Version **1.0.0** * Last updated **1 day ago** * Active installations **Fewer than 10** * WordPress version ** 6.8 or higher ** * Tested up to **7.1.3** * PHP version ** 7.4 or higher ** * Tags * [amortization](https://wordpress.org/plugins/tags/amortization/)[block](https://wordpress.org/plugins/tags/block/) [calculator](https://wordpress.org/plugins/tags/calculator/)[mortgage](https://wordpress.org/plugins/tags/mortgage/) [real-estate](https://wordpress.org/plugins/tags/real-estate/) * [Advanced View](https://wordpress.org/plugins/amortexa-mortgage-calculator/advanced/) ## Ratings No reviews have been submitted yet. [Your review](https://wordpress.org/support/plugin/amortexa-mortgage-calculator/reviews/#new-post) [See all reviews](https://wordpress.org/support/plugin/amortexa-mortgage-calculator/reviews/) ## Contributors * [ Muhammad Tariq ](https://profiles.wordpress.org/mtariqsmd/) ## Support Got something to say? Need help? [View support forum](https://wordpress.org/support/plugin/amortexa-mortgage-calculator/)