Mortgage Payment Calculators
Calculate monthly mortgage payments, amortization schedules, and total loan costs with free online mortgage calculators.
Browse Mortgage Payment Calculators
15-Year Mortgage Calculator
Calculate a 15-year mortgage payment and see how much interest you save versus a 30-year loan. Compare real split rates, equity growth, and required income.
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30-Year Mortgage Calculator
Calculate 30-year fixed mortgage payments and total interest over three decades. See how a 30-year term compares to 15 and 20 years, and buys more house.
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House Payment Calculator
House payment calculator for the true monthly cost of ownership — mortgage, taxes, insurance, PMI, HOA, maintenance, and utilities, not just P&I.
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Mortgage Amortization Calculator
Mortgage amortization calculator with a full payment schedule. See every payment's principal and interest split, falling balance, and interest saved.
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Mortgage Calculator with PMI
Mortgage calculator with PMI that shows your full monthly payment, when PMI drops off at 78% LTV, and the total PMI you'll pay before it cancels.
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Mortgage Calculator with Taxes and Insurance
Calculate your true monthly mortgage payment with property taxes, homeowners insurance, and PMI. See the full PITI breakdown, not just principal and interest.
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Mortgage Calculator
Free mortgage calculator to estimate your monthly payment, total interest, and loan payoff. Enter loan amount, rate, and term for a clear PITI breakdown.
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Mortgage Interest Calculator
See the total interest you'll pay over your mortgage — and how a lower rate, shorter term, or extra monthly payments cut that cost by tens of thousands.
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Mortgage Payoff Calculator
See how extra monthly payments, a lump sum, or biweekly payments cut years off your mortgage. Compare payoff strategies and the exact interest each one saves.
Use CalculatorUnderstanding Mortgage Payments
Your mortgage payment is likely the largest monthly expense you will face as a homeowner. It consists of four parts collectively known as PITI: principal, interest, taxes, and insurance. On a $350,000 loan at 6.5% for 30 years, your monthly principal and interest alone would be about $2,212. Add property taxes ($300-$500/month in most counties) and homeowners insurance ($100-$200/month), and the full payment lands between $2,600 and $2,900.
Small rate differences have an outsized impact over 30 years. The difference between 6.5% and 7.0% on a $350,000 loan is roughly $123 per month, which adds up to over $44,000 in extra interest across the life of the loan. That is why comparing lender quotes and understanding your rate options matters so much. If you are unsure how much home you can realistically target, our home affordability calculators can help you set a budget before you start shopping.
Amortization schedules show exactly how each payment splits between principal and interest. In the first year of that $350,000 loan at 6.5%, about $1,896 of each $2,212 payment goes to interest and only $316 reduces your balance. By year 20 the split reverses, with $1,308 going to principal. If you are already a homeowner and rates have dropped, check our mortgage refinance calculators to see whether refinancing could lower your monthly cost.