Mortgage Payment Calculator - Estimate Your Monthly Payments

The Most Accurate Mortgage Calculator on the Web

Finally, a Home Loan Calculator That Includes Taxes & Insurance (PITI)

Tired of mortgage calculators that give you an unrealistically low monthly payment? Don't get caught by surprise. Our 100% free and private calculator gives you a complete, realistic estimate of your true homeownership costs.

We go beyond the simple Principal & Interest that other calculators show you. Get a clear picture of what you'll actually pay every month, with no ads and no personal information required.

Your Free Calculation Includes:

Complete PITI & PMI Calculation: Input estimated property taxes, homeowner's insurance, and down payment to see your full (PITI) payment. Our tool automatically calculates Private Mortgage Insurance (PMI) for down payments under 20%.
Simple Amortization Chart: Visualize how your loan balance decreases and your equity grows over time.
Total Interest & Loan Cost: Understand the full, long-term cost of your mortgage so you can see the big picture.
100% Free & Private: No email sign-ups. No phone numbers. No lead forms. Just a fast, powerful, and accurate calculation you can trust.

Input your Mortgage Parameters

Home Price

Down Payment ($ / %)

Loan Amount

Interest Rate (%)

Loan Term (Years)

Property Location (Zip Code)

Property Tax ($/year)

Homeowners Insurance ($/year)

Estimated Total Monthly Payment

This includes Principal & Interest, Property Tax, and Homeowners Insurance.

Monthly Payment Breakdown

Principal vs. Total Interest Paid

Over the life of the loan, you will pay an estimated **** in interest.

Don't Just Calculate. Strategize.

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🏆 Compare Scenarios Side-by-Side
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🚀 Advanced Extra Payment Modeling
How much faster could you own your home by paying an extra $200 a month? What if you put your annual bonus toward the principal? Model any scenario and see your new payoff date and total interest savings instantly.
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Thinking about refinancing? Our tool calculates your "break-even point" down to the month, showing you exactly when you'll start saving money so you can know for sure if it's the right move.
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Save unlimited loan scenarios to your personal dashboard. Export a professional PDF report of your chosen strategy to share with your partner, financial advisor, or lender.
🏠 Affordability & DTI Tools
Go beyond a simple payment calculation. Understand your Debt-to-Income (DTI) ratio and determine a truly affordable home price based on your complete financial picture.

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Plan your biggest investmentwith confidence. Cancel anytime.