Mortgage Calculator — Free Online Tool
Calculate your monthly mortgage payment and see a full breakdown of principal vs interest over the loan term. Enter home price, down payment, interest rate, and loan term.
100% client-side. No uploads. Your data never leaves your browser.
How to use Mortgage Calculator
- Enter home price and down payment.
- Set annual interest rate and loan term.
- Click Calculate.
- Review monthly payment and amortization schedule.
Frequently Asked Questions
Does this include taxes and insurance?
No — this calculates principal and interest (P&I) only. Add property tax and insurance separately for total housing cost.
What is amortization?
The process of paying off a loan in equal installments. Early payments are mostly interest; later payments are mostly principal.
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