Mortgage Calculator
Calculate monthly mortgage payments with property tax, insurance, and PMI. See payment breakdown, total cost, and year-by-year amortization. Free, no sign-up.
How to Use
Enter home price
Type the purchase price of the property.
Set down payment and rate
Enter your down payment percentage and the annual mortgage interest rate.
Choose loan term
Select the loan repayment period (typically 15, 20, 25, or 30 years).
Add taxes and insurance
Enter property tax rate and annual home insurance. PMI applies automatically if down payment is below 20%.
View complete breakdown
See monthly payment breakdown, year-by-year amortization, and total cost summary.
Features
Complete Mortgage Analysis
Includes principal, interest, property tax, insurance, and PMI in one view.
Automatic PMI Detection
PMI is automatically calculated when down payment is below 20% of the home price.
Amortization Schedule
Year-by-year breakdown showing how much goes to principal vs interest each year.
Copy & Share
Copy results to compare different mortgage scenarios side by side.
Frequently Asked Questions
Recommended Reading
Practical guides matched to this calculator, its inputs, and the result users need to trust.