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Mortgage Calculator
Estimate your monthly home-loan payment in seconds. Enter the price, your down payment, the interest rate and the term — and optionally add property tax and insurance for a full monthly figure.
Know your payment before you buy
A mortgage calculator helps you understand what a home really costs each month — not just the loan repayment, but the full picture. Enter the home price and your down payment to get the loan amount, then see your monthly principal-and-interest payment, how much interest you'll pay over the life of the loan, and the total you'll repay. Add annual property tax and insurance for a realistic all-in monthly cost.
What affects your payment most
- Interest rate — even a small rate change moves your payment and total interest a lot.
- Term — a longer term lowers the monthly payment but increases total interest.
- Down payment — a bigger down payment means a smaller loan and less interest.
This is an estimate for education only and excludes items like PMI, HOA fees and closing costs. It is not financial advice or a loan offer.
Frequently asked questions
Does this include tax and insurance?
Only if you enter them. Leave those fields at 0 to see principal and interest alone, or add your annual amounts for a full monthly estimate.
Why does a longer term cost more?
A longer term spreads the loan over more payments, lowering each one — but you pay interest for longer, so the total interest is higher.
Is my information stored?
No. Everything is calculated in your browser and nothing is uploaded.