Mortgage payment calculator
Principal and interest plus taxes, insurance, HOA and PMI.
Runs on your device — never uploaded
How to mortgage payment calculator
- Enter the home details
Price, down payment, rate and term.
- Add monthly costs
Property tax, insurance, HOA dues and PMI if under 20% down.
- Review
Total monthly payment, lifetime interest and the schedule.
Frequently asked questions
What is PMI?
Private mortgage insurance, usually required when the down payment is under 20%, typically 0.5–1% of the loan per year.
Should I choose 15 or 30 years?
15 years costs more monthly but far less in total interest; the calculator shows both.
Is anything uploaded?
No.