Mortgage Calculator

Estimate your monthly home loan payment, total interest and total cost.

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Free mortgage calculator

Enter your loan amount, annual interest rate and term in years to estimate your monthly mortgage payment, the total interest you'll pay, and the total cost of the loan. Uses the standard amortization formula.

Frequently asked questions

How is a mortgage payment calculated?

With the amortized loan formula M = P·r·(1+r)^n / ((1+r)^n − 1), where r is the monthly rate and n the number of months.

Does this include taxes and insurance?

No — it shows principal and interest only. Add property tax and insurance separately for a full estimate.