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Mortgage Calculator
Estimate your monthly mortgage payment.
Includes principal, interest, property tax, insurance, and HOA fees.
Full Payment Estimate
Principal, interest, tax, insurance, and HOA in one number.
Total Interest
See the total interest paid over the life of the loan.
Free & Unlimited
No signup, no watermarks, no limits. Use it as many times as you like.
What is a Mortgage Calculator?
A mortgage calculator estimates your total monthly home loan payment. Beyond the base principal and interest, it can include property tax, home insurance, and HOA fees so you get a realistic picture of your total monthly housing cost.
How to use this calculator
- Enter the home price and your down payment.
- Enter the interest rate and loan term in years.
- Optionally enter annual property tax, annual insurance, and monthly HOA fees.
- Click Calculate to see your estimated monthly payment.
Frequently Asked Questions
This calculator is built specifically for home loans and includes optional property tax, home insurance, and HOA fees on top of the base principal and interest payment, giving a more complete estimate of your total monthly housing cost.
No. Leave them blank or at zero if you only want the principal and interest payment. They're included so you can see a more realistic total monthly payment if you know those costs.
Yes. 100% free — no account required, no watermarks, no usage limits.