Estimates only. Taxes/insurance/HOA are added to the monthly total but not part of principal/interest totals.
| # | Date | Payment (P&I) | Interest | Principal | Balance |
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Quickly find out your monthly mortgage payment, total interest, payoff date, and see your full loan breakdown with our free Online Mortgage Calculator. Enter your home price, down payment, interest rate, and loan term to get instant results. You can also add property taxes, insurance, HOA fees, and extra monthly payments to see exactly how they affect your loan.
An online mortgage calculator with amortization helps you plan your budget, compare loan options, and make smarter financial decisions before you commit to a mortgage. By adjusting your inputs, you can instantly see the impact on your monthly payment, total interest paid, and final payoff date. The built-in amortization schedule shows exactly how each payment is split between principal and interest, giving you a clear month-by-month view of your loan without the need for complex spreadsheets.
Q: What is an amortization schedule?
A: It’s a month-by-month breakdown showing how each payment is split between interest and principal, and the remaining loan balance.
Q: Can I add extra monthly payments?
A: Yes—our calculator instantly shows how extra payments reduce total interest and shorten your payoff time.
Q: Does this calculator include taxes and insurance?
A: Yes—enter annual amounts for property tax and insurance to see your total monthly cost.
Q: Is it accurate for all countries?
A: Yes—it works with any currency and tax/insurance amounts. Just change the currency symbol.
Q: Can I compare two different mortgage offers?
A: Yes—run the calculation twice with different rates or terms, and compare monthly payments, total interest, and payoff dates.