Mortgage calculator
Estimate your monthly mortgage payment, including property tax and insurance.
🔒 Everything runs in your browser. Nothing you choose or type is uploaded. How to verify
How to use it
- Enter the home price and down payment percentage.
- Enter the interest rate, term, yearly tax and insurance.
- Read the monthly payment and total interest, which update as you type.
Handy for
Comparing homes, loan terms and down payments before talking to a lender.
Good to know
Longer terms lower the monthly payment but increase the total interest. Try 15 and 30 years side by side before you decide.
Privacy: where the work happens
Everything you enter or choose is processed by JavaScript in your browser and never sent anywhere. Only the page code, and any library this tool needs, is downloaded from cdnjs or jsDelivr.
Questions
What does the payment include?
Principal and interest, plus one twelfth of the yearly property tax and home insurance you enter.
What is left out?
Mortgage insurance, HOA fees, closing costs and rate changes are not included.