Mortgage Calculator
Runs in your browser — your data is never uploaded.
Most mortgage calculators tell you the principal and interest and stop, which understates what you actually pay every month by a third or more. This one adds property tax, home insurance, HOA dues and PMI, shows the month PMI falls off, and lets you download the full payment-by-payment schedule as a spreadsheet or PDF. Everything runs in your browser — your finances are never uploaded.
How to use Mortgage Calculator
- 1
Enter the home price and your down payment, then the interest rate and term.
- 2
Add property tax, insurance, HOA and PMI if you know them — this is where the real monthly cost comes from.
- 3
Read the total payment, then download the full amortization schedule as Excel or PDF.
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Frequently asked questions
What is included in the monthly payment?+
Principal and interest, plus property tax, home insurance, HOA dues and PMI where you enter them. Lenders call the first four PITI. Quotes that mention only principal and interest routinely land 30–40% below what leaves your account each month.
When does PMI stop?+
Private mortgage insurance is charged while you owe more than 80% of the home's value, and it is calculated on the original loan amount rather than the current balance — so it does not shrink as you pay down, it simply stops. This calculator shows the exact payment number where that happens.
Why is the last payment a different amount?+
Because the monthly payment is rounded to the cent. A $300,000 loan at 6.5% needs $1,896.2041 a month and is billed $1,896.20, so a few dollars are still outstanding at the end. Lenders roll that into the final payment, which is what this schedule does.
How much interest will I actually pay?+
On a $300,000 loan at 6.5% over 30 years, about $382,600 — more than the house itself. Shortening the term or paying extra each month changes that number dramatically; the amortization schedule tool shows by how much.
Are my figures sent anywhere?+
No. The calculation runs entirely in your browser and the spreadsheet is generated on your own device. Nothing about your income, deposit or debt reaches a server.