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Mortgage Calculator

Estimate monthly mortgage payments including taxes and insurance.

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Try a worked example

Example

For a 300,000 home with 60,000 down, 6% annual interest and a 30-year term, principal and interest are 1,438.92 per month. Adding 1.1% yearly property tax and 1,200 yearly home insurance gives 1,813.92 per month.

Keep in mind

Fixed interest rate, equal monthly periods, no fees or penalties. Enter the interest rate, not APR with fees. Calculations keep full precision; displayed amounts are rounded. Actual lender schedules may differ. Taxes, insurance and HOA fees stay constant in this estimate and continue after the loan is repaid. Mortgage insurance is the amount you enter; automatic cancellation is not assumed. Closing costs are excluded. Extra payments reduce principal. A one-time payment is applied after the selected regular payment, or immediately for payment 0. This is a monthly model, not a biweekly payment schedule.

About this tool

Enter the home price, down payment, annual interest rate and duration. Add your own estimates for yearly taxes and insurance, monthly mortgage insurance and HOA fees. The housing budget shows these costs separately from principal and interest. Compare scenarios and inspect the monthly or yearly repayment schedule.

Fixed interest rate, equal monthly periods, no fees or penalties. Enter the interest rate, not APR with fees. Calculations keep full precision; displayed amounts are rounded. Actual lender schedules may differ. Taxes, insurance and HOA fees stay constant in this estimate and continue after the loan is repaid. Mortgage insurance is the amount you enter; automatic cancellation is not assumed. Closing costs are excluded. Extra payments reduce principal. A one-time payment is applied after the selected regular payment, or immediately for payment 0. This is a monthly model, not a biweekly payment schedule.

Use whole months, up to 100 years. Amounts are limited to 1 trillion and results to 1 quadrillion. All amounts must use the same currency.

Your numbers stay in this browser. Nothing is uploaded or saved after you leave.

Frequently asked questions

How do I use this calculator?

Enter the home price, down payment, annual interest rate and duration. Add your own estimates for yearly taxes and insurance, monthly mortgage insurance and HOA fees. The housing budget shows these costs separately from principal and interest. Compare scenarios and inspect the monthly or yearly repayment schedule.

Which assumptions affect the estimate?

Fixed interest rate, equal monthly periods, no fees or penalties. Enter the interest rate, not APR with fees. Calculations keep full precision; displayed amounts are rounded. Actual lender schedules may differ. Taxes, insurance and HOA fees stay constant in this estimate and continue after the loan is repaid. Mortgage insurance is the amount you enter; automatic cancellation is not assumed. Closing costs are excluded. Extra payments reduce principal. A one-time payment is applied after the selected regular payment, or immediately for payment 0. This is a monthly model, not a biweekly payment schedule.

Are my financial details saved?

Your numbers stay in this browser. Nothing is uploaded or saved after you leave.

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