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Finance Tools

Mortgage Calculator

Estimate fixed-rate mortgage payments and compare payoff dates with extra principal.

Your financial inputs stay locally in your browser. No content uploads, saved documents or account required.

Enter your own rate and costs; currency selection only changes formatting.

How mortgage payments are calculated

For principal P, monthly interest rate r and n monthly payments, the fixed payment is P × r / (1 − (1 + r)−n). At zero interest, payment is P / n. This estimate uses monthly compounding, cent rounding and an adjusted final payment.

How to use this calculator

  1. Enter home price, down payment, annual rate, term and start date.
  2. Add your own property tax, insurance, PMI and HOA costs.
  3. Review monthly principal and interest separately from other costs.
  4. Add extra monthly principal to compare interest and payoff dates.
  5. Inspect monthly or yearly amortization and download CSV.

Down payment, interest and amortization

A larger down payment reduces the loan principal. A longer term usually reduces the monthly loan payment but increases total interest. The schedule shows each payment split between interest and principal, including extra principal.

Taxes, insurance and PMI

These costs depend on the property and lender. Enter them manually. PMI is private mortgage insurance; no universal rate or cancellation date is assumed. Currency selection changes display only.

Frequently asked questions

Does down payment reduce monthly payment?

Yes, with the same interest rate and term, borrowing less reduces principal and interest payments.

How do extra payments save interest?

Extra principal reduces the balance used for subsequent monthly interest calculations. Lender rules and prepayment charges are not modeled.

Are property taxes included?

Only the amount you enter. The calculator does not retrieve location-specific tax data.

Is this a lender quote?

No. This calculator provides estimates only and is not a loan offer, lender quote, tax advice or financial advice. Actual rates, taxes, insurance, PMI, HOA fees and lender costs may differ.

Privacy

Processing takes place in your browser. Inputs are not sent to an API or saved in browser storage. Closing or refreshing the page clears the editing session.

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