Title: PJ Mortgage Tools Author: PureJeannius Published: November 4, 2026 Last modified: November 4, 2026 --- Search plugins ![](https://ps.w.org/pj-mcalc/assets/banner-772x250.png?rev=3784206) ![](https://ps.w.org/pj-mcalc/assets/icon.svg?rev=3784206) # PJ Mortgage Tools By [PureJeannius](https://profiles.wordpress.org/jquinn33/) [Download](https://downloads.wordpress.org/plugin/pj-mcalc.1.2.0.zip) * [Details](https://wordpress.org/plugins/pj-mcalc/#description) * [Reviews](https://wordpress.org/plugins/pj-mcalc/#reviews) * [Installation](https://wordpress.org/plugins/pj-mcalc/#installation) * [Development](https://wordpress.org/plugins/pj-mcalc/#developers) [Support](https://wordpress.org/support/plugin/pj-mcalc/) ## Description **PJ Mortgage Tools** adds a clean, responsive mortgage calculator to any page or post. Visitors adjust the purchase price, down payment, interest rate, term, taxes, insurance, HOA dues and mortgage insurance, and the monthly payment updates instantly— no page reloads, no outside services, no data leaves the visitor’s browser. **What visitors get** * Live monthly payment with a full breakdown: principal & interest, taxes, HOA, insurance and PMI * An amortization schedule, viewable by year or by month * Extra-payment analysis: enter an extra monthly amount and see the new payoff date, months saved and interest saved * A layout that works on desktop, tablet and phone, and prints cleanly **What site owners get** * `[pjmcalc]` shortcode with optional attributes for starting values * A “PJ Mortgage Tools” block with the same options in the sidebar * Three color presets plus any custom brand color for the payment panel and sliders, with an optional panel text color (automatic contrast when left empty) * Site-wide defaults for the extra payment and amortization view * Show or hide the extra-payment tool and the amortization table — site-wide, per shortcode or per block * No tracking, no external requests, nothing loaded on pages that don’t use the calculator Ideal for real estate agents and brokers, mortgage professionals, property-investment sites and home-buyer resources. **Shortcode attributes** (all optional — each is explained on the Shortcodes tab under Settings PJ Mortgage Tools) ``` [pjmcalc title="Payment Estimator" type_label="30-year fixed" price="450000" rate="6.25" years="30" down_pct="10" tax_pct="1.2" mi_rate="0.5" insurance="1800" hoa="0" extra="200" amort_view="annual" show_pmi="yes" show_extra="yes" show_amort="yes" color="#0f766e" text_color="#ffffff" currency="USD"] ``` Every feature in this plugin is free, with no license key, trial or usage limit. #### Add-ons [PJ Mortgage Tools Pro](https://purejeannius.com/products/pj-mortgage-tools/) is a separate plugin sold on purejeannius.com. It adds new tools that are not part of this plugin: branded PDF reports, a home affordability calculator, a rent vs. buy calculator and side-by-side loan scenario comparison. ## Screenshots [⌊The calculator with live monthly-payment breakdown.⌉⌊The calculator with live monthly-payment breakdown.⌉[ The calculator with live monthly-payment breakdown. [⌊Amortization schedule, monthly view.⌉⌊Amortization schedule, monthly view.⌉[ Amortization schedule, monthly view. [⌊Settings screen with colors, defaults and show/hide options.⌉⌊Settings screen with colors, defaults and show/hide options.⌉[ Settings screen with colors, defaults and show/hide options. ## Blocks This plugin provides 1 block. * PJ Mortgage Tools A live mortgage calculator with amortization schedule and extra-payment analysis. ## Installation 1. Upload the `pj-mcalc` folder to `/wp-content/plugins/`, or install it from **Plugins Add New**. 2. Activate **PJ Mortgage Tools**. 3. Add the calculator to any page with the `[pjmcalc]` shortcode, or insert the ** PJ Mortgage Tools** block. 4. Optional: choose a color, defaults and which sections to show under **Settings PJ Mortgage Tools**. The **Shortcodes** tab there lists every attribute with an example. ## FAQ ### How do I change the starting values? Pass them as shortcode attributes, e.g. `[pjmcalc price="400000" rate="6.5" years ="30" down_pct="20"]`, or set them in the block sidebar under “Starting values”. ### Can I show more than one calculator on a page? Yes. Each shortcode or block is independent. ### How is PMI calculated? Monthly PMI = (loan amount × mortgage insurance rate) ÷ 12, applied only while the down payment is below 20%. Set `show_pmi="no"` to hide the PMI control and row entirely. ### How is the amortization schedule calculated with an extra payment? The extra amount is added to every monthly principal & interest payment. The schedule, payoff date and interest-saved figures all reflect that. ### Does the calculator send data anywhere? No. All calculations run in the visitor’s browser. The plugin makes no external requests. ### Is this financial advice? No. The calculator is an estimate for illustration; it does not include lender fees, points, escrow adjustments or local tax rules. Visitors should confirm figures with a lender. ### Can I use my own brand color? Yes. Under Settings PJ Mortgage Tools choose the “Custom” swatch and pick any color. If the color is light, the panel text switches to near-black automatically, or you can set a text color yourself. For a single calculator use `color="#hex"` and `text_color ="#hex"`. ### Can I hide the extra-payment tool or the amortization table? Yes — site-wide with the checkboxes on the Settings tab, or per calculator with ` show_extra="no"` / `show_amort="no"` (or the matching options in the block sidebar). ### Can I change the currency? Use `currency="CAD"` (any ISO 4217 code). The browser formats amounts for that currency. ## Reviews There are no reviews for this plugin. ## Contributors & Developers “PJ Mortgage Tools” is open source software. The following people have contributed to this plugin. Contributors * [ PureJeannius ](https://profiles.wordpress.org/jquinn33/) [Translate “PJ Mortgage Tools” into your language.](https://translate.wordpress.org/projects/wp-plugins/pj-mcalc) ### Interested in development? [Browse the code](https://plugins.trac.wordpress.org/browser/pj-mcalc/), check out the [SVN repository](https://plugins.svn.wordpress.org/pj-mcalc/), or subscribe to the [development log](https://plugins.trac.wordpress.org/log/pj-mcalc/) by [RSS](https://plugins.trac.wordpress.org/log/pj-mcalc/?limit=100&mode=stop_on_copy&format=rss). ## Changelog #### 1.2.0 * Custom panel color with a color picker, and an optional panel text color (automatic contrast when empty). * Site-wide default extra payment and amortization view. * Show or hide the extra-payment tool and amortization table site-wide, with `show_extra`/` show_amort` shortcode attributes, or from the block sidebar. * New `color` and `text_color` shortcode attributes. #### 1.1.3 * Settings screen now has Settings and Shortcodes tabs; the Shortcodes tab lists every attribute with an example. #### 1.1.2 * Plugin URI and support links now point to the renamed product page. #### 1.1.1 * Shortcode is now `[pjmcalc]`; function, option and hook names use the `pjmcalc_` prefix. #### 1.1.0 * Initial release on WordPress.org. ## Meta * Version **1.2.0** * Last updated **5 hours ago** * Active installations **Fewer than 10** * WordPress version ** 6.5 or higher ** * Tested up to **7.1.4** * PHP version ** 8.0 or higher ** * Tags * [amortization](https://wordpress.org/plugins/tags/amortization/)[loan calculator](https://wordpress.org/plugins/tags/loan-calculator/) [mortgage](https://wordpress.org/plugins/tags/mortgage/)[mortgage calculator](https://wordpress.org/plugins/tags/mortgage-calculator/) [real-estate](https://wordpress.org/plugins/tags/real-estate/) * [Advanced View](https://wordpress.org/plugins/pj-mcalc/advanced/) ## Ratings No reviews have been submitted yet. [Your review](https://wordpress.org/support/plugin/pj-mcalc/reviews/#new-post) [See all reviews](https://wordpress.org/support/plugin/pj-mcalc/reviews/) ## Contributors * [ PureJeannius ](https://profiles.wordpress.org/jquinn33/) ## Support Got something to say? Need help? [View support forum](https://wordpress.org/support/plugin/pj-mcalc/)