An online tool to calculate your monthly mortgage payments, total interest paid, and amortization schedule.
Loading calculator...
Embed this mortgage calculator on your website for free. It's responsive, always up-to-date, and easy to customize.
Calculate your monthly mortgage payments and total costs
No calculations saved yet
Save calculations to see them here
Estimate principal and interest (P&I) with optional property tax, insurance, and PMI to see your all-in monthly number.
Compare terms and rates, and review totals and an amortization schedule to plan confidently.
Use amount or %; LTV updates automatically.
Choose an interest rate and amortization length.
Include monthly estimates for a PITI view.
See total interest and principal over time.
Fixed P&I for fixed-rate loans; PITI includes estimates for tax, insurance, and PMI.
Longer terms and higher rates raise lifetime interest.
Interest dominates early; principal dominates later.
Estimate principal and interest (P&I) plus property tax, insurance, and PMI to see an all-in monthly number. View totals over the loan term and an amortization schedule showing principal versus interest. Adjust term and rate to compare scenarios quickly.
Breaks down P&I, property tax, insurance, and PMI when applicable.
Shows total interest, total payments, and a full amortization table.
Change term, rate, down payment, or PMI to compare outcomes.
Mortgage calculator, monthly mortgage payment, PITI, PMI, amortization schedule, total interest, home loan payment, mortgage principal and interest, mortgage totals, loan-to-value
Model loans and savings with complementary tools.
Important: This mortgage calculator is designed for preliminary financial planning and educational purposes using standard amortization formulas and typical mortgage calculation methods. While calculations are mathematically accurate for the input parameters, actual mortgage terms, interest rates, fees, insurance costs, tax assessments, and lending requirements vary significantly by lender, location, credit profile, and market conditions. This tool does not account for private mortgage insurance (PMI), homeowners association fees, property tax variations, insurance premium changes, or special loan programs that may affect your actual payments. For actual mortgage decisions, home purchases, refinancing, or financial planning, always consult with qualified mortgage professionals, obtain official loan estimates from multiple lenders, and verify all calculations with your chosen financial institution.