{"id":391767,"date":"2026-11-04T14:22:31","date_gmt":"2026-11-04T14:22:31","guid":{"rendered":"https:\/\/wordpress.org\/plugins\/pj-mortgage-tools\/"},"modified":"2026-11-04T15:09:15","modified_gmt":"2026-11-04T15:09:15","slug":"pj-mcalc","status":"publish","type":"plugin","link":"https:\/\/wordpress.org\/plugins\/pj-mcalc\/","author":12863886,"comment_status":"closed","ping_status":"closed","template":"","meta":{"version":"1.2.0","stable_tag":"1.2.0","tested":"7.1.4","requires":"6.5","requires_php":"8.0","requires_plugins":null,"header_name":"PJ Mortgage Tools","header_author":"PureJeannius","header_description":"A modern, responsive mortgage calculator with live payment updates, amortization schedules, and extra-payment payoff analysis. 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Visitors adjust the purchase price, down payment, interest rate, term, taxes, insurance, HOA dues and mortgage insurance, and the monthly payment updates instantly \u2014 no page reloads, no outside services, no data leaves the visitor's browser.<\/p>\n\n<p><strong>What visitors get<\/strong><\/p>\n\n<ul>\n<li>Live monthly payment with a full breakdown: principal &amp; interest, taxes, HOA, insurance and PMI<\/li>\n<li>An amortization schedule, viewable by year or by month<\/li>\n<li>Extra-payment analysis: enter an extra monthly amount and see the new payoff date, months saved and interest saved<\/li>\n<li>A layout that works on desktop, tablet and phone, and prints cleanly<\/li>\n<\/ul>\n\n<p><strong>What site owners get<\/strong><\/p>\n\n<ul>\n<li><code>[pjmcalc]<\/code> shortcode with optional attributes for starting values<\/li>\n<li>A \"PJ Mortgage Tools\" block with the same options in the sidebar<\/li>\n<li>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)<\/li>\n<li>Site-wide defaults for the extra payment and amortization view<\/li>\n<li>Show or hide the extra-payment tool and the amortization table \u2014 site-wide, per shortcode or per block<\/li>\n<li>No tracking, no external requests, nothing loaded on pages that don't use the calculator<\/li>\n<\/ul>\n\n<p>Ideal for real estate agents and brokers, mortgage professionals, property-investment sites and home-buyer resources.<\/p>\n\n<p><strong>Shortcode attributes<\/strong> (all optional \u2014 each is explained on the Shortcodes tab under Settings \u2192 PJ Mortgage Tools)<\/p>\n\n<pre><code>[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\"]\n<\/code><\/pre>\n\n<p>Every feature in this plugin is free, with no license key, trial or usage limit.<\/p>\n\n<h4>Add-ons<\/h4>\n\n<p><a href=\"https:\/\/purejeannius.com\/products\/pj-mortgage-tools\/\">PJ Mortgage Tools Pro<\/a> 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.<\/p>\n\n<!--section=installation-->\n<ol>\n<li>Upload the <code>pj-mcalc<\/code> folder to <code>\/wp-content\/plugins\/<\/code>, or install it from <strong>Plugins \u2192 Add New<\/strong>.<\/li>\n<li>Activate <strong>PJ Mortgage Tools<\/strong>.<\/li>\n<li>Add the calculator to any page with the <code>[pjmcalc]<\/code> shortcode, or insert the <strong>PJ Mortgage Tools<\/strong> block.<\/li>\n<li>Optional: choose a color, defaults and which sections to show under <strong>Settings \u2192 PJ Mortgage Tools<\/strong>. The <strong>Shortcodes<\/strong> tab there lists every attribute with an example.<\/li>\n<\/ol>\n\n<!--section=faq-->\n<dl>\n<dt id=\"how%20do%20i%20change%20the%20starting%20values%3F\"><h3>How do I change the starting values?<\/h3><\/dt>\n<dd><p>Pass them as shortcode attributes, e.g. <code>[pjmcalc price=\"400000\" rate=\"6.5\" years=\"30\" down_pct=\"20\"]<\/code>, or set them in the block sidebar under \"Starting values\".<\/p><\/dd>\n<dt id=\"can%20i%20show%20more%20than%20one%20calculator%20on%20a%20page%3F\"><h3>Can I show more than one calculator on a page?<\/h3><\/dt>\n<dd><p>Yes. Each shortcode or block is independent.<\/p><\/dd>\n<dt id=\"how%20is%20pmi%20calculated%3F\"><h3>How is PMI calculated?<\/h3><\/dt>\n<dd><p>Monthly PMI = (loan amount \u00d7 mortgage insurance rate) \u00f7 12, applied only while the down payment is below 20%. Set <code>show_pmi=\"no\"<\/code> to hide the PMI control and row entirely.<\/p><\/dd>\n<dt id=\"how%20is%20the%20amortization%20schedule%20calculated%20with%20an%20extra%20payment%3F\"><h3>How is the amortization schedule calculated with an extra payment?<\/h3><\/dt>\n<dd><p>The extra amount is added to every monthly principal &amp; interest payment. The schedule, payoff date and interest-saved figures all reflect that.<\/p><\/dd>\n<dt id=\"does%20the%20calculator%20send%20data%20anywhere%3F\"><h3>Does the calculator send data anywhere?<\/h3><\/dt>\n<dd><p>No. All calculations run in the visitor's browser. The plugin makes no external requests.<\/p><\/dd>\n<dt id=\"is%20this%20financial%20advice%3F\"><h3>Is this financial advice?<\/h3><\/dt>\n<dd><p>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.<\/p><\/dd>\n<dt id=\"can%20i%20use%20my%20own%20brand%20color%3F\"><h3>Can I use my own brand color?<\/h3><\/dt>\n<dd><p>Yes. Under Settings \u2192 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 <code>color=\"#hex\"<\/code> and <code>text_color=\"#hex\"<\/code>.<\/p><\/dd>\n<dt id=\"can%20i%20hide%20the%20extra-payment%20tool%20or%20the%20amortization%20table%3F\"><h3>Can I hide the extra-payment tool or the amortization table?<\/h3><\/dt>\n<dd><p>Yes \u2014 site-wide with the checkboxes on the Settings tab, or per calculator with <code>show_extra=\"no\"<\/code> \/ <code>show_amort=\"no\"<\/code> (or the matching options in the block sidebar).<\/p><\/dd>\n<dt id=\"can%20i%20change%20the%20currency%3F\"><h3>Can I change the currency?<\/h3><\/dt>\n<dd><p>Use <code>currency=\"CAD\"<\/code> (any ISO 4217 code). The browser formats amounts for that currency.<\/p><\/dd>\n\n<\/dl>\n\n<!--section=changelog-->\n<h4>1.2.0<\/h4>\n\n<ul>\n<li>Custom panel color with a color picker, and an optional panel text color (automatic contrast when empty).<\/li>\n<li>Site-wide default extra payment and amortization view.<\/li>\n<li>Show or hide the extra-payment tool and amortization table site-wide, with <code>show_extra<\/code> \/ <code>show_amort<\/code> shortcode attributes, or from the block sidebar.<\/li>\n<li>New <code>color<\/code> and <code>text_color<\/code> shortcode attributes.<\/li>\n<\/ul>\n\n<h4>1.1.3<\/h4>\n\n<ul>\n<li>Settings screen now has Settings and Shortcodes tabs; the Shortcodes tab lists every attribute with an example.<\/li>\n<\/ul>\n\n<h4>1.1.2<\/h4>\n\n<ul>\n<li>Plugin URI and support links now point to the renamed product page.<\/li>\n<\/ul>\n\n<h4>1.1.1<\/h4>\n\n<ul>\n<li>Shortcode is now <code>[pjmcalc]<\/code>; function, option and hook names use the <code>pjmcalc_<\/code> prefix.<\/li>\n<\/ul>\n\n<h4>1.1.0<\/h4>\n\n<ul>\n<li>Initial release on WordPress.org.<\/li>\n<\/ul>","raw_excerpt":"A fast, modern mortgage calculator with live payment updates, an amortization schedule, and extra-payment payoff analysis. 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