Calculate principal and interest together with property tax, insurance, HOA charges, and PMI.
Calculate with the Mortgage Calculator
Enter the details below. Required values are validated before results are shown.
Mortgage Calculator results
Mortgage Calculator projection
The year-by-year values are also provided in the accessible table.
How to use the Mortgage Calculator
- Choose the display currency and any calculation mode or frequency.
- Enter each required value using a consistent currency and time basis.
- Select Calculate or press Enter.
- Review the result explanation, assumptions, and any schedule before relying on the estimate.
Worked example
A 20% down payment on a 400,000 home leaves a 320,000 mortgage principal.
Understanding the results
The summary separates the most important output from supporting values. Currency selection changes formatting only; it does not convert exchange rates or alter a currency-independent formula.
Frequently asked questions
What is included in the total monthly mortgage payment?
Principal and interest use the standard monthly mortgage payment formula. The result depends on the values and assumptions entered, so compare it with the applicable provider or official rule.
Can I use decimal values in the Mortgage Calculator?
Yes. Decimal values are supported. Results are calculated at full JavaScript numeric precision and formatted for readability.
Are the Mortgage Calculator results guaranteed?
No. The calculator provides an estimate based on the entered assumptions and is not financial, tax, investment, lending, payroll, or legal advice.