Mortgage Calculator
Calculate your monthly mortgage payment, total interest, and a year-by-year amortization schedule. All math runs in your browser.
Runs 100% in your browser — nothing is uploaded.
Estimate only — does not include property tax, insurance, PMI, HOA, or origination fees. Verify with a licensed mortgage broker before making decisions.
Frequently asked
Property taxes, homeowner's insurance, private mortgage insurance (PMI), HOA fees, and origination or discount points. Real monthly cost is typically 15–30% higher than the base payment shown here.
Standard amortizing loan formula: P × [r(1+r)^n] / [(1+r)^n − 1], where P is principal, r is monthly rate (annual / 12), and n is total months. When rate = 0, it simplifies to P / n.
To keep the UI scannable. A 30-year mortgage has 360 rows; showing 30 is enough to see the interest → principal shift over time. The full schedule is computed and can be exported in a future update.
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