Principal and interest — the loan payment portion before taxes, insurance, or HOA fees.

Are estimates guaranteed?

No. Actual quotes depend on credit, fees, escrow, and lender rules.

Yes. Numbers never leave your browser.

Mortgage Calculator

Free mortgage payment calculator — estimate monthly P&I, total interest, and payments with taxes and insurance.

Mortgage details

Home price ($)

Down payment ($)

Interest rate (%)

Loan term (years)

Taxes & insurance (optional)

Property tax per year ($)

Home insurance per year ($)

Monthly payment (P&I)

$2,022.62

$320,000.00

Loan amount

$408,142.36

Total interest

$728,142.36

Total paid

What the tool does

Mortgage Calculator estimates monthly principal & interest and can factor taxes and insurance for a fuller payment picture before you talk to lenders.

How to use it

Enter home price, down payment, rate, and term.
Add taxes/insurance if you want a PITI-style estimate.
Review monthly payment and total interest.

Supported formats

Home price, rates, terms, tax/insurance amounts

Privacy & security

This tool runs entirely in your browser. Your data never leaves your device — nothing is uploaded to our servers.

FAQs

What is P&I?: Principal and interest — the loan payment portion before taxes, insurance, or HOA fees.
Are estimates guaranteed?: No. Actual quotes depend on credit, fees, escrow, and lender rules.
Is my data private?: Yes. Numbers never leave your browser.