Mortgage Calculator

Enter your loan amount, interest rate, and term to instantly see your monthly payment and total interest.

Loan amount ($)

Annual interest rate (%)

Loan term (years)

—

Monthly payment

—

Total paid

—

Total interest

Runs entirely in your browser — free, private, no sign-up.

Questions answered

Frequently asked questions

Everything you might be wondering about the Mortgage Calculator.

How is the monthly mortgage payment calculated?

Using the standard amortization formula based on loan amount, monthly interest rate (annual rate ÷ 12), and total number of payments (years × 12). It does not include taxes, insurance, or HOA fees.

Does this include property tax and insurance?

No — this calculates principal and interest only. Add your local property tax and insurance estimates separately for a full monthly cost picture.

Is it free and private?

Yes — it runs entirely in your browser, free, with nothing uploaded.

See it in action

A worked example

Real input, real output — so you know what to expect before you run it yourself.

Quick example

Sample input

$300,000 loan, 6.5% rate, 30 years

Sample output

Monthly payment $1,896 — total interest $382,633.

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From the blog

Mortgage Calculator

Frequently asked questions

A worked example

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