🏠 Mortgage Calculator
Calculate your monthly mortgage payment with taxes, insurance, PMI, HOA fees, and extra payments. Get instant results with amortization schedule and interactive charts.
How to Use This Mortgage CalculatorFree & Accurate
Calculate your monthly mortgage payment, estimate total costs, and explore payoff strategies with our comprehensive mortgage calculator. Perfect for homebuyers, refinancers, and anyone planning their financial future.
Enter Home Details
- • Home Price - Total purchase price
- • Down Payment - Your upfront payment
- • Loan Term - 15, 20, or 30 years
- • Interest Rate - Current mortgage rate
Add Monthly Costs
- • Property Tax - Annual tax amount
- • Home Insurance - Annual premium
- • HOA Fees - Monthly HOA dues
- • PMI - Auto-calculated if <20% down
Explore Payoff Options
- • Extra Monthly Payment - Pay more monthly
- • Bi-Weekly Payments - Save interest
- • Accelerated Bi-Weekly - Max savings
- • One-Time Payments - Lump sum payments
Review Your Results
- • Monthly Payment - Complete breakdown
- • Amortization Schedule - Year-by-year
- • Interest Savings - See your savings
- • Payoff Date - When you'll be debt-free
Pro Tip: Switching to bi-weekly payments can save you thousands in interest and pay off your mortgage years earlier. Our calculator shows you exactly how much you'll save!
Why Use Our Mortgage Calculator? Our free mortgage calculator helps you estimate your monthly mortgage payment, including principal, interest, taxes, insurance, and PMI. Whether you're buying a home, refinancing, or planning your budget, our tool provides accurate calculations with detailed amortization schedules. Compare different loan terms, interest rates, and payoff strategies to make informed financial decisions.
● Basic Inputs
Select your country for property tax reference, or choose Manual Entry to enter tax yourself
Check your property tax bill for the exact annual amount
Enter one-time extra payments. Format: Year, Amount (one per line)
💡 All calculations are estimates. Rates vary by lender and location. Please verify with official sources for accurate numbers.
Enter values to see results
Results update automatically