Mortgage Calculator
Estimate your monthly payment, taxes, insurance, and total cost.
Estimate your full monthly mortgage payment — not just principal and interest, but property tax, home insurance, and HOA too. Enter your home price, down payment, rate, and term to see your monthly payment, the total interest over the life of the loan, the total cost, and a year-by-year amortization schedule. It all runs in your browser.
Runs entirely in your browser — nothing is uploaded.
How to use the mortgage calculator
- 1Enter the home price and your down payment.
- 2Add your interest rate and loan term, plus optional taxes, insurance, and HOA.
- 3See your monthly payment breakdown, total interest, and amortization schedule.
Frequently asked questions
What's included in the monthly payment?
Principal and interest from the loan, plus optional monthly property tax, home insurance, and HOA fees — often called PITI (principal, interest, taxes, insurance).
How is the principal and interest calculated?
It uses the standard amortization formula based on the loan amount (price minus down payment), your monthly interest rate, and the number of monthly payments.
What is an amortization schedule?
It shows how each year's payments split between interest and principal, and how your remaining balance falls over time — early payments are mostly interest, later ones mostly principal.
Does it store my numbers?
No — the calculation runs entirely in your browser and nothing is uploaded.