Mortgage Calculator

Estimate your monthly payments

Enter Loan Details

Add an optional extra monthly payment to see payoff acceleration. You can also include escrow-like costs (taxes/insurance/HOA/PMI) to see a realistic monthly out-of-pocket.

The total amount you’re borrowing.

Annual percentage rate. Set to 0 for zero-interest loans.

Typical terms are 15 or 30 years.

Paid in addition to the regular payment. Shaves time & interest.

Divided by 12 and added to monthly cost.

Divided by 12 and added to monthly cost.

Monthly homeowners association dues.

Private mortgage insurance, if applicable.

Base Monthly (P&I)
$0.00
Principal & interest only (no escrow / HOA / PMI).
All-In Monthly
$0.00
P&I + taxes + insurance + HOA + PMI (+ extra principal).
Total Paid (Baseline)
$0.00
Across life of loan with no extra principal.
Total Interest (Baseline)
$0.00
Interest paid over the full term (no extra).

Balance Over Time

Remaining balance each month (baseline, no extra principal).

Monthly Payment Breakdown

First-month cost breakdown: principal, interest, taxes, insurance, HOA, PMI. If you add extra principal, it’s included here.

All-In Monthly
$0
Tip: As balance declines, interest shrinks and principal grows — your pie will shift over time.
Amortization Schedule (Baseline)
Month Payment Principal Interest Balance