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Mortgage Calculator

Estimate mortgage payments, see total interest, and view an amortization schedule. Add taxes & costs for a more realistic monthly total.

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#DateInterestPrincipalPayment (P&I)Ending Balance
1Sep 2025$1,733.33$289.28$2,022.62$319,710.72
2Oct 2025$1,731.77$290.85$2,022.62$319,419.86
3Nov 2025$1,730.19$292.43$2,022.62$319,127.44
4Dec 2025$1,728.61$294.01$2,022.62$318,833.43
5Jan 2026$1,727.01$295.60$2,022.62$318,537.82
6Feb 2026$1,725.41$297.20$2,022.62$318,240.62
7Mar 2026$1,723.80$298.81$2,022.62$317,941.80
8Apr 2026$1,722.18$300.43$2,022.62$317,641.37
9May 2026$1,720.56$302.06$2,022.62$317,339.31
10Jun 2026$1,718.92$303.70$2,022.62$317,035.62
11Jul 2026$1,717.28$305.34$2,022.62$316,730.27
12Aug 2026$1,715.62$307.00$2,022.62$316,423.28
13Sep 2026$1,713.96$308.66$2,022.62$316,114.62
14Oct 2026$1,712.29$310.33$2,022.62$315,804.29
15Nov 2026$1,710.61$312.01$2,022.62$315,492.28
16Dec 2026$1,708.92$313.70$2,022.62$315,178.58
17Jan 2027$1,707.22$315.40$2,022.62$314,863.18
18Feb 2027$1,705.51$317.11$2,022.62$314,546.07
19Mar 2027$1,703.79$318.83$2,022.62$314,227.24
20Apr 2027$1,702.06$320.55$2,022.62$313,906.69
21May 2027$1,700.33$322.29$2,022.62$313,584.40
22Jun 2027$1,698.58$324.04$2,022.62$313,260.36
23Jul 2027$1,696.83$325.79$2,022.62$312,934.57
24Aug 2027$1,695.06$327.56$2,022.62$312,607.02
25Sep 2027$1,693.29$329.33$2,022.62$312,277.69
26Oct 2027$1,691.50$331.11$2,022.62$311,946.57
27Nov 2027$1,689.71$332.91$2,022.62$311,613.67
28Dec 2027$1,687.91$334.71$2,022.62$311,278.96
29Jan 2028$1,686.09$336.52$2,022.62$310,942.43
30Feb 2028$1,684.27$338.35$2,022.62$310,604.09
31Mar 2028$1,682.44$340.18$2,022.62$310,263.91
32Apr 2028$1,680.60$342.02$2,022.62$309,921.89
33May 2028$1,678.74$343.87$2,022.62$309,578.01
34Jun 2028$1,676.88$345.74$2,022.62$309,232.28
35Jul 2028$1,675.01$347.61$2,022.62$308,884.67
36Aug 2028$1,673.13$349.49$2,022.62$308,535.17
37Sep 2028$1,671.23$351.39$2,022.62$308,183.79
38Oct 2028$1,669.33$353.29$2,022.62$307,830.50
39Nov 2028$1,667.42$355.20$2,022.62$307,475.30
40Dec 2028$1,665.49$357.13$2,022.62$307,118.17
41Jan 2029$1,663.56$359.06$2,022.62$306,759.11
42Feb 2029$1,661.61$361.01$2,022.62$306,398.10
43Mar 2029$1,659.66$362.96$2,022.62$306,035.14
44Apr 2029$1,657.69$364.93$2,022.62$305,670.22
45May 2029$1,655.71$366.90$2,022.62$305,303.31
46Jun 2029$1,653.73$368.89$2,022.62$304,934.42
47Jul 2029$1,651.73$370.89$2,022.62$304,563.53
48Aug 2029$1,649.72$372.90$2,022.62$304,190.63
49Sep 2029$1,647.70$374.92$2,022.62$303,815.71
50Oct 2029$1,645.67$376.95$2,022.62$303,438.76
51Nov 2029$1,643.63$378.99$2,022.62$303,059.77
52Dec 2029$1,641.57$381.04$2,022.62$302,678.73
53Jan 2030$1,639.51$383.11$2,022.62$302,295.62
54Feb 2030$1,637.43$385.18$2,022.62$301,910.44
55Mar 2030$1,635.35$387.27$2,022.62$301,523.17
56Apr 2030$1,633.25$389.37$2,022.62$301,133.80
57May 2030$1,631.14$391.48$2,022.62$300,742.33
58Jun 2030$1,629.02$393.60$2,022.62$300,348.73
59Jul 2030$1,626.89$395.73$2,022.62$299,953.00
60Aug 2030$1,624.75$397.87$2,022.62$299,555.13
61Sep 2030$1,622.59$400.03$2,022.62$299,155.10
62Oct 2030$1,620.42$402.19$2,022.62$298,752.91
63Nov 2030$1,618.24$404.37$2,022.62$298,348.53
64Dec 2030$1,616.05$406.56$2,022.62$297,941.97
65Jan 2031$1,613.85$408.77$2,022.62$297,533.20
66Feb 2031$1,611.64$410.98$2,022.62$297,122.23
67Mar 2031$1,609.41$413.21$2,022.62$296,709.02
68Apr 2031$1,607.17$415.44$2,022.62$296,293.58
69May 2031$1,604.92$417.69$2,022.62$295,875.88
70Jun 2031$1,602.66$419.96$2,022.62$295,455.93
71Jul 2031$1,600.39$422.23$2,022.62$295,033.69
72Aug 2031$1,598.10$424.52$2,022.62$294,609.18
73Sep 2031$1,595.80$426.82$2,022.62$294,182.36
74Oct 2031$1,593.49$429.13$2,022.62$293,753.23
75Nov 2031$1,591.16$431.45$2,022.62$293,321.77
76Dec 2031$1,588.83$433.79$2,022.62$292,887.98
77Jan 2032$1,586.48$436.14$2,022.62$292,451.84
78Feb 2032$1,584.11$438.50$2,022.62$292,013.34
79Mar 2032$1,581.74$440.88$2,022.62$291,572.46
80Apr 2032$1,579.35$443.27$2,022.62$291,129.19
81May 2032$1,576.95$445.67$2,022.62$290,683.52
82Jun 2032$1,574.54$448.08$2,022.62$290,235.44
83Jul 2032$1,572.11$450.51$2,022.62$289,784.93
84Aug 2032$1,569.67$452.95$2,022.62$289,331.98
85Sep 2032$1,567.21$455.40$2,022.62$288,876.58
86Oct 2032$1,564.75$457.87$2,022.62$288,418.71
87Nov 2032$1,562.27$460.35$2,022.62$287,958.36
88Dec 2032$1,559.77$462.84$2,022.62$287,495.52
89Jan 2033$1,557.27$465.35$2,022.62$287,030.17
90Feb 2033$1,554.75$467.87$2,022.62$286,562.30
91Mar 2033$1,552.21$470.41$2,022.62$286,091.89
92Apr 2033$1,549.66$472.95$2,022.62$285,618.94
93May 2033$1,547.10$475.52$2,022.62$285,143.42
94Jun 2033$1,544.53$478.09$2,022.62$284,665.33
95Jul 2033$1,541.94$480.68$2,022.62$284,184.65
96Aug 2033$1,539.33$483.28$2,022.62$283,701.37
97Sep 2033$1,536.72$485.90$2,022.62$283,215.47
98Oct 2033$1,534.08$488.53$2,022.62$282,726.93
99Nov 2033$1,531.44$491.18$2,022.62$282,235.75
100Dec 2033$1,528.78$493.84$2,022.62$281,741.91
101Jan 2034$1,526.10$496.52$2,022.62$281,245.40
102Feb 2034$1,523.41$499.21$2,022.62$280,746.19
103Mar 2034$1,520.71$501.91$2,022.62$280,244.28
104Apr 2034$1,517.99$504.63$2,022.62$279,739.65
105May 2034$1,515.26$507.36$2,022.62$279,232.29
106Jun 2034$1,512.51$510.11$2,022.62$278,722.18
107Jul 2034$1,509.75$512.87$2,022.62$278,209.31
108Aug 2034$1,506.97$515.65$2,022.62$277,693.66
109Sep 2034$1,504.17$518.44$2,022.62$277,175.22
110Oct 2034$1,501.37$521.25$2,022.62$276,653.96
111Nov 2034$1,498.54$524.08$2,022.62$276,129.89
112Dec 2034$1,495.70$526.91$2,022.62$275,602.97
113Jan 2035$1,492.85$529.77$2,022.62$275,073.21
114Feb 2035$1,489.98$532.64$2,022.62$274,540.57
115Mar 2035$1,487.09$535.52$2,022.62$274,005.05
116Apr 2035$1,484.19$538.42$2,022.62$273,466.62
117May 2035$1,481.28$541.34$2,022.62$272,925.28
118Jun 2035$1,478.35$544.27$2,022.62$272,381.01
119Jul 2035$1,475.40$547.22$2,022.62$271,833.79
120Aug 2035$1,472.43$550.18$2,022.62$271,283.60
121Sep 2035$1,469.45$553.16$2,022.62$270,730.44
122Oct 2035$1,466.46$556.16$2,022.62$270,174.28
123Nov 2035$1,463.44$559.17$2,022.62$269,615.10
124Dec 2035$1,460.42$562.20$2,022.62$269,052.90
125Jan 2036$1,457.37$565.25$2,022.62$268,487.65
126Feb 2036$1,454.31$568.31$2,022.62$267,919.34
127Mar 2036$1,451.23$571.39$2,022.62$267,347.96
128Apr 2036$1,448.13$574.48$2,022.62$266,773.47
129May 2036$1,445.02$577.59$2,022.62$266,195.88
130Jun 2036$1,441.89$580.72$2,022.62$265,615.16
131Jul 2036$1,438.75$583.87$2,022.62$265,031.29
132Aug 2036$1,435.59$587.03$2,022.62$264,444.26
133Sep 2036$1,432.41$590.21$2,022.62$263,854.04
134Oct 2036$1,429.21$593.41$2,022.62$263,260.64
135Nov 2036$1,426.00$596.62$2,022.62$262,664.01
136Dec 2036$1,422.76$599.85$2,022.62$262,064.16
137Jan 2037$1,419.51$603.10$2,022.62$261,461.06
138Feb 2037$1,416.25$606.37$2,022.62$260,854.69
139Mar 2037$1,412.96$609.65$2,022.62$260,245.03
140Apr 2037$1,409.66$612.96$2,022.62$259,632.07
141May 2037$1,406.34$616.28$2,022.62$259,015.80
142Jun 2037$1,403.00$619.62$2,022.62$258,396.18
143Jul 2037$1,399.65$622.97$2,022.62$257,773.21
144Aug 2037$1,396.27$626.35$2,022.62$257,146.86
145Sep 2037$1,392.88$629.74$2,022.62$256,517.12
146Oct 2037$1,389.47$633.15$2,022.62$255,883.97
147Nov 2037$1,386.04$636.58$2,022.62$255,247.39
148Dec 2037$1,382.59$640.03$2,022.62$254,607.37
149Jan 2038$1,379.12$643.49$2,022.62$253,963.87
150Feb 2038$1,375.64$646.98$2,022.62$253,316.89
151Mar 2038$1,372.13$650.48$2,022.62$252,666.41
152Apr 2038$1,368.61$654.01$2,022.62$252,012.40
153May 2038$1,365.07$657.55$2,022.62$251,354.85
154Jun 2038$1,361.51$661.11$2,022.62$250,693.74
155Jul 2038$1,357.92$664.69$2,022.62$250,029.04
156Aug 2038$1,354.32$668.29$2,022.62$249,360.75
157Sep 2038$1,350.70$671.91$2,022.62$248,688.84
158Oct 2038$1,347.06$675.55$2,022.62$248,013.28
159Nov 2038$1,343.41$679.21$2,022.62$247,334.07
160Dec 2038$1,339.73$682.89$2,022.62$246,651.18
161Jan 2039$1,336.03$686.59$2,022.62$245,964.59
162Feb 2039$1,332.31$690.31$2,022.62$245,274.28
163Mar 2039$1,328.57$694.05$2,022.62$244,580.23
164Apr 2039$1,324.81$697.81$2,022.62$243,882.42
165May 2039$1,321.03$701.59$2,022.62$243,180.84
166Jun 2039$1,317.23$705.39$2,022.62$242,475.45
167Jul 2039$1,313.41$709.21$2,022.62$241,766.24
168Aug 2039$1,309.57$713.05$2,022.62$241,053.19
169Sep 2039$1,305.70$716.91$2,022.62$240,336.27
170Oct 2039$1,301.82$720.80$2,022.62$239,615.48
171Nov 2039$1,297.92$724.70$2,022.62$238,890.78
172Dec 2039$1,293.99$728.63$2,022.62$238,162.15
173Jan 2040$1,290.04$732.57$2,022.62$237,429.58
174Feb 2040$1,286.08$736.54$2,022.62$236,693.04
175Mar 2040$1,282.09$740.53$2,022.62$235,952.51
176Apr 2040$1,278.08$744.54$2,022.62$235,207.97
177May 2040$1,274.04$748.57$2,022.62$234,459.39
178Jun 2040$1,269.99$752.63$2,022.62$233,706.76
179Jul 2040$1,265.91$756.71$2,022.62$232,950.06
180Aug 2040$1,261.81$760.80$2,022.62$232,189.25
181Sep 2040$1,257.69$764.93$2,022.62$231,424.33
182Oct 2040$1,253.55$769.07$2,022.62$230,655.26
183Nov 2040$1,249.38$773.24$2,022.62$229,882.02
184Dec 2040$1,245.19$777.42$2,022.62$229,104.60
185Jan 2041$1,240.98$781.63$2,022.62$228,322.96
186Feb 2041$1,236.75$785.87$2,022.62$227,537.10
187Mar 2041$1,232.49$790.13$2,022.62$226,746.97
188Apr 2041$1,228.21$794.40$2,022.62$225,952.57
189May 2041$1,223.91$798.71$2,022.62$225,153.86
190Jun 2041$1,219.58$803.03$2,022.62$224,350.82
191Jul 2041$1,215.23$807.38$2,022.62$223,543.44
192Aug 2041$1,210.86$811.76$2,022.62$222,731.68
193Sep 2041$1,206.46$816.15$2,022.62$221,915.53
194Oct 2041$1,202.04$820.58$2,022.62$221,094.95
195Nov 2041$1,197.60$825.02$2,022.62$220,269.93
196Dec 2041$1,193.13$829.49$2,022.62$219,440.44
197Jan 2042$1,188.64$833.98$2,022.62$218,606.46
198Feb 2042$1,184.12$838.50$2,022.62$217,767.96
199Mar 2042$1,179.58$843.04$2,022.62$216,924.92
200Apr 2042$1,175.01$847.61$2,022.62$216,077.31
201May 2042$1,170.42$852.20$2,022.62$215,225.11
202Jun 2042$1,165.80$856.81$2,022.62$214,368.30
203Jul 2042$1,161.16$861.46$2,022.62$213,506.84
204Aug 2042$1,156.50$866.12$2,022.62$212,640.72
205Sep 2042$1,151.80$870.81$2,022.62$211,769.91
206Oct 2042$1,147.09$875.53$2,022.62$210,894.38
207Nov 2042$1,142.34$880.27$2,022.62$210,014.10
208Dec 2042$1,137.58$885.04$2,022.62$209,129.06
209Jan 2043$1,132.78$889.84$2,022.62$208,239.23
210Feb 2043$1,127.96$894.66$2,022.62$207,344.57
211Mar 2043$1,123.12$899.50$2,022.62$206,445.07
212Apr 2043$1,118.24$904.37$2,022.62$205,540.70
213May 2043$1,113.35$909.27$2,022.62$204,631.42
214Jun 2043$1,108.42$914.20$2,022.62$203,717.23
215Jul 2043$1,103.47$919.15$2,022.62$202,798.08
216Aug 2043$1,098.49$924.13$2,022.62$201,873.95
217Sep 2043$1,093.48$929.13$2,022.62$200,944.82
218Oct 2043$1,088.45$934.17$2,022.62$200,010.65
219Nov 2043$1,083.39$939.23$2,022.62$199,071.42
220Dec 2043$1,078.30$944.31$2,022.62$198,127.11
221Jan 2044$1,073.19$949.43$2,022.62$197,177.68
222Feb 2044$1,068.05$954.57$2,022.62$196,223.11
223Mar 2044$1,062.88$959.74$2,022.62$195,263.37
224Apr 2044$1,057.68$964.94$2,022.62$194,298.42
225May 2044$1,052.45$970.17$2,022.62$193,328.26
226Jun 2044$1,047.19$975.42$2,022.62$192,352.83
227Jul 2044$1,041.91$980.71$2,022.62$191,372.13
228Aug 2044$1,036.60$986.02$2,022.62$190,386.11
229Sep 2044$1,031.26$991.36$2,022.62$189,394.75
230Oct 2044$1,025.89$996.73$2,022.62$188,398.02
231Nov 2044$1,020.49$1,002.13$2,022.62$187,395.89
232Dec 2044$1,015.06$1,007.56$2,022.62$186,388.33
233Jan 2045$1,009.60$1,013.01$2,022.62$185,375.32
234Feb 2045$1,004.12$1,018.50$2,022.62$184,356.82
235Mar 2045$998.60$1,024.02$2,022.62$183,332.80
236Apr 2045$993.05$1,029.57$2,022.62$182,303.24
237May 2045$987.48$1,035.14$2,022.62$181,268.09
238Jun 2045$981.87$1,040.75$2,022.62$180,227.34
239Jul 2045$976.23$1,046.39$2,022.62$179,180.96
240Aug 2045$970.56$1,052.05$2,022.62$178,128.90
241Sep 2045$964.86$1,057.75$2,022.62$177,071.15
242Oct 2045$959.14$1,063.48$2,022.62$176,007.67
243Nov 2045$953.37$1,069.24$2,022.62$174,938.43
244Dec 2045$947.58$1,075.03$2,022.62$173,863.39
245Jan 2046$941.76$1,080.86$2,022.62$172,782.53
246Feb 2046$935.91$1,086.71$2,022.62$171,695.82
247Mar 2046$930.02$1,092.60$2,022.62$170,603.22
248Apr 2046$924.10$1,098.52$2,022.62$169,504.71
249May 2046$918.15$1,104.47$2,022.62$168,400.24
250Jun 2046$912.17$1,110.45$2,022.62$167,289.79
251Jul 2046$906.15$1,116.46$2,022.62$166,173.32
252Aug 2046$900.11$1,122.51$2,022.62$165,050.81
253Sep 2046$894.03$1,128.59$2,022.62$163,922.22
254Oct 2046$887.91$1,134.71$2,022.62$162,787.51
255Nov 2046$881.77$1,140.85$2,022.62$161,646.66
256Dec 2046$875.59$1,147.03$2,022.62$160,499.63
257Jan 2047$869.37$1,153.24$2,022.62$159,346.39
258Feb 2047$863.13$1,159.49$2,022.62$158,186.89
259Mar 2047$856.85$1,165.77$2,022.62$157,021.12
260Apr 2047$850.53$1,172.09$2,022.62$155,849.04
261May 2047$844.18$1,178.44$2,022.62$154,670.60
262Jun 2047$837.80$1,184.82$2,022.62$153,485.78
263Jul 2047$831.38$1,191.24$2,022.62$152,294.55
264Aug 2047$824.93$1,197.69$2,022.62$151,096.86
265Sep 2047$818.44$1,204.18$2,022.62$149,892.68
266Oct 2047$811.92$1,210.70$2,022.62$148,681.98
267Nov 2047$805.36$1,217.26$2,022.62$147,464.72
268Dec 2047$798.77$1,223.85$2,022.62$146,240.87
269Jan 2048$792.14$1,230.48$2,022.62$145,010.39
270Feb 2048$785.47$1,237.14$2,022.62$143,773.25
271Mar 2048$778.77$1,243.85$2,022.62$142,529.40
272Apr 2048$772.03$1,250.58$2,022.62$141,278.82
273May 2048$765.26$1,257.36$2,022.62$140,021.46
274Jun 2048$758.45$1,264.17$2,022.62$138,757.30
275Jul 2048$751.60$1,271.02$2,022.62$137,486.28
276Aug 2048$744.72$1,277.90$2,022.62$136,208.38
277Sep 2048$737.80$1,284.82$2,022.62$134,923.56
278Oct 2048$730.84$1,291.78$2,022.62$133,631.78
279Nov 2048$723.84$1,298.78$2,022.62$132,333.00
280Dec 2048$716.80$1,305.81$2,022.62$131,027.18
281Jan 2049$709.73$1,312.89$2,022.62$129,714.30
282Feb 2049$702.62$1,320.00$2,022.62$128,394.30
283Mar 2049$695.47$1,327.15$2,022.62$127,067.15
284Apr 2049$688.28$1,334.34$2,022.62$125,732.81
285May 2049$681.05$1,341.56$2,022.62$124,391.25
286Jun 2049$673.79$1,348.83$2,022.62$123,042.41
287Jul 2049$666.48$1,356.14$2,022.62$121,686.28
288Aug 2049$659.13$1,363.48$2,022.62$120,322.79
289Sep 2049$651.75$1,370.87$2,022.62$118,951.92
290Oct 2049$644.32$1,378.29$2,022.62$117,573.63
291Nov 2049$636.86$1,385.76$2,022.62$116,187.87
292Dec 2049$629.35$1,393.27$2,022.62$114,794.60
293Jan 2050$621.80$1,400.81$2,022.62$113,393.79
294Feb 2050$614.22$1,408.40$2,022.62$111,985.39
295Mar 2050$606.59$1,416.03$2,022.62$110,569.36
296Apr 2050$598.92$1,423.70$2,022.62$109,145.66
297May 2050$591.21$1,431.41$2,022.62$107,714.24
298Jun 2050$583.45$1,439.17$2,022.62$106,275.08
299Jul 2050$575.66$1,446.96$2,022.62$104,828.12
300Aug 2050$567.82$1,454.80$2,022.62$103,373.32
301Sep 2050$559.94$1,462.68$2,022.62$101,910.64
302Oct 2050$552.02$1,470.60$2,022.62$100,440.04
303Nov 2050$544.05$1,478.57$2,022.62$98,961.47
304Dec 2050$536.04$1,486.58$2,022.62$97,474.89
305Jan 2051$527.99$1,494.63$2,022.62$95,980.27
306Feb 2051$519.89$1,502.72$2,022.62$94,477.54
307Mar 2051$511.75$1,510.86$2,022.62$92,966.68
308Apr 2051$503.57$1,519.05$2,022.62$91,447.63
309May 2051$495.34$1,527.28$2,022.62$89,920.35
310Jun 2051$487.07$1,535.55$2,022.62$88,384.80
311Jul 2051$478.75$1,543.87$2,022.62$86,840.94
312Aug 2051$470.39$1,552.23$2,022.62$85,288.71
313Sep 2051$461.98$1,560.64$2,022.62$83,728.07
314Oct 2051$453.53$1,569.09$2,022.62$82,158.98
315Nov 2051$445.03$1,577.59$2,022.62$80,581.39
316Dec 2051$436.48$1,586.14$2,022.62$78,995.25
317Jan 2052$427.89$1,594.73$2,022.62$77,400.53
318Feb 2052$419.25$1,603.36$2,022.62$75,797.16
319Mar 2052$410.57$1,612.05$2,022.62$74,185.11
320Apr 2052$401.84$1,620.78$2,022.62$72,564.33
321May 2052$393.06$1,629.56$2,022.62$70,934.77
322Jun 2052$384.23$1,638.39$2,022.62$69,296.38
323Jul 2052$375.36$1,647.26$2,022.62$67,649.12
324Aug 2052$366.43$1,656.18$2,022.62$65,992.94
325Sep 2052$357.46$1,665.16$2,022.62$64,327.78
326Oct 2052$348.44$1,674.18$2,022.62$62,653.60
327Nov 2052$339.37$1,683.24$2,022.62$60,970.36
328Dec 2052$330.26$1,692.36$2,022.62$59,278.00
329Jan 2053$321.09$1,701.53$2,022.62$57,576.47
330Feb 2053$311.87$1,710.75$2,022.62$55,865.73
331Mar 2053$302.61$1,720.01$2,022.62$54,145.71
332Apr 2053$293.29$1,729.33$2,022.62$52,416.38
333May 2053$283.92$1,738.70$2,022.62$50,677.69
334Jun 2053$274.50$1,748.11$2,022.62$48,929.58
335Jul 2053$265.04$1,757.58$2,022.62$47,171.99
336Aug 2053$255.51$1,767.10$2,022.62$45,404.89
337Sep 2053$245.94$1,776.67$2,022.62$43,628.22
338Oct 2053$236.32$1,786.30$2,022.62$41,841.92
339Nov 2053$226.64$1,795.97$2,022.62$40,045.94
340Dec 2053$216.92$1,805.70$2,022.62$38,240.24
341Jan 2054$207.13$1,815.48$2,022.62$36,424.76
342Feb 2054$197.30$1,825.32$2,022.62$34,599.44
343Mar 2054$187.41$1,835.20$2,022.62$32,764.24
344Apr 2054$177.47$1,845.14$2,022.62$30,919.09
345May 2054$167.48$1,855.14$2,022.62$29,063.95
346Jun 2054$157.43$1,865.19$2,022.62$27,198.77
347Jul 2054$147.33$1,875.29$2,022.62$25,323.47
348Aug 2054$137.17$1,885.45$2,022.62$23,438.03
349Sep 2054$126.96$1,895.66$2,022.62$21,542.36
350Oct 2054$116.69$1,905.93$2,022.62$19,636.43
351Nov 2054$106.36$1,916.25$2,022.62$17,720.18
352Dec 2054$95.98$1,926.63$2,022.62$15,793.55
353Jan 2055$85.55$1,937.07$2,022.62$13,856.48
354Feb 2055$75.06$1,947.56$2,022.62$11,908.92
355Mar 2055$64.51$1,958.11$2,022.62$9,950.81
356Apr 2055$53.90$1,968.72$2,022.62$7,982.09
357May 2055$43.24$1,979.38$2,022.62$6,002.71
358Jun 2055$32.51$1,990.10$2,022.62$4,012.60
359Jul 2055$21.73$2,000.88$2,022.62$2,011.72
360Aug 2055$10.90$2,011.72$2,022.62$0.00

Mortgage Calculator – Estimate Monthly Payments & Total Interest

Use our free Mortgage Calculator to estimate your monthly house payment and long-term costs. Enter home price (or loan amount), down payment, annual interest rate, and loan term to instantly see your monthly payment, total repaid, and total interest. Perfect for planning fixed-rate mortgages.

How the mortgage calculation works

We use the standard annuity formula to compute a fixed monthly payment over the full term. Each payment is split into principal (reduces your loan balance) and interest (the cost of borrowing). You also get a full amortization schedule to see how your balance declines over time.

Key features

Instant monthly payment, total repaid, and total interest

Full amortization schedule (payment, principal, interest, remaining balance)

Works for common fixed-rate terms (e.g., 15-year, 20-year, 30-year)

Clean inputs for home price or loan amount, down payment, rate, and term

Example calculation

Example: Loan amount $350,000 at 6.5% annual rate for 30 years.

Monthly payment: $2,212.24

Total repaid: $796,405.71

Total interest: $446,405.71

This shows how interest accumulates over long terms and why comparing rates and terms can save tens of thousands of dollars.

Tips for planning your mortgage

Test different rates and terms to see their impact on your budget

Consider a larger down payment to reduce interest costs

Review your amortization schedule to understand early-year interest vs. principal

Frequently Asked Questions

What inputs do I need for the mortgage calculator?
Enter home price (or loan amount), down payment, annual interest rate, and term in years. The calculator returns your monthly payment, total repaid, total interest, and the amortization schedule.
How accurate is the monthly payment?
The principal-and-interest (P&I) payment uses the standard mortgage formula. Actual monthly costs may be higher if you add items like property taxes, homeowner’s insurance, or HOA fees.
What term should I choose: 15 vs. 30 years?
Shorter terms usually mean higher monthly payments but much lower total interest. Longer terms lower the monthly payment but increase total interest over time.

Calculate your mortgage payment now and compare terms or interest rates to find a payment that fits your budget. Try our Loan or Percentage Calculators next.