Handytool
UtilityFreeRuns locally

Mortgage Calculator

Estimate your full monthly mortgage payment with taxes and insurance.

Loan amount: $320,000

Annual mortgage interest rate.

Monthly payment
$2,492.62
Total interest
$408,142.36
Total paid
$728,142.36
Payoff date
July 2056
Monthly payment breakdown
Principal & interest
$2,022.62
Property tax
$350.00
Insurance
$120.00
HOA fees
$0.00
Total monthly payment
$2,492.62
Amortization schedule

All calculations run privately in your browser. Your financial details are never uploaded.

About the Mortgage Calculator

This mortgage calculator estimates your full monthly house payment from the home price, down payment, interest rate, and term. Enter your down payment as a dollar amount or a percentage and it works out the loan amount for you. Optional monthly property tax, homeowners insurance, and HOA fees roll into a complete payment breakdown, so you see the true PITI cost, not just principal and interest. A year-by-year amortization schedule and full privacy in your browser round it out.

Mortgage Calculator features

  • 01

    Down payment your way

    Toggle between a percentage or a fixed amount and the calculator instantly derives the loan principal and updates every result.

  • 02

    True monthly cost breakdown

    Add property tax, insurance, and HOA to see the full payment split alongside principal and interest, not just the loan portion.

  • 03

    Amortization at a glance

    Open the collapsible schedule for a per-year view of principal, interest, and the shrinking balance over the life of the loan.

Mortgage Calculator FAQ

How much will my monthly mortgage payment be?
Principal and interest come from the loan amount, rate, and term using the standard amortization formula. Add property tax, insurance, and HOA and the calculator shows your full monthly payment (PITI) live.
How do I calculate my down payment?
Enter it either as a percentage of the home price or as a fixed amount. The calculator subtracts it from the price to get your loan amount and shows that figure right below the input.
What is PITI?
PITI stands for principal, interest, taxes, and insurance — the four parts of a typical monthly mortgage payment. This calculator adds HOA fees too for an even more complete estimate.
How much interest will I pay on my mortgage?
The total interest figure sums every interest portion across the full term. On a 30-year loan this is often a large share of the total cost, which is why the amortization schedule is worth reviewing.
Is this mortgage estimate exact?
It's a close estimate for planning. Actual payments can vary with PMI, escrow adjustments, and lender fees, so confirm final numbers with your lender. All math here stays private in your browser.

Guides

Articles →

Related tools

Utility →

Explore other tools

All tools →