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Mortgage calculator

Estimate your monthly home loan payment with principal, interest, property tax, insurance and HOA, plus total interest and cost over the life of the loan.

—estimated monthly payment
—loan amount
—total interest
—total of payments

🔒 Estimates only. Everything is calculated on your device — nothing is uploaded.

How to calculate a mortgage payment

Estimate your monthly home-loan payment and the total interest you'll pay over the life of the loan.

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1. Enter the loan

Add the home price or loan amount, down payment, interest rate and term.

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2. Add extra costs

Include property tax, home insurance and HOA fees for a true monthly figure.

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3. See the breakdown

View the monthly payment, total interest and total cost.

Your monthly mortgage payment is driven by the loan amount, interest rate and term using the standard amortization formula, while taxes, insurance and HOA fees add to the real amount you pay each month. Comparing rates and terms shows how much interest you save by paying more or choosing a shorter loan. All math runs in your browser. Plan other numbers with the all-in-one Calculator.

Mortgage calculator FAQ

What's included in the payment?

Principal and interest, plus optional property tax, home insurance and HOA for the true monthly cost.

How is it calculated?

The standard amortization formula on price minus down payment, at your rate and term, plus monthly tax/insurance/HOA.

Is my data private?

Yes — everything is calculated in your browser; nothing is uploaded.