Free Mortgage Calculator Online
Estimate your monthly mortgage payment, total interest, payoff cost, property tax, insurance, PMI, and payment breakdown with a live pie chart.
🏠 Mortgage Calculator
Live Payment EstimateLoan Inputs
Left SidePayment Results
Right SideMonthly Payment Pie Chart
| Year | Principal Paid | Interest Paid | Remaining Balance |
|---|
This is the core loan payment before taxes, insurance, PMI, and HOA.
PMI is estimated when your down payment is less than 20% of the home price.
This calculator gives an estimate. Actual lender quotes can vary.
What Is a Mortgage Calculator?
A mortgage calculator estimates your monthly house payment based on home price, down payment, loan term, interest rate, property tax, home insurance, PMI, and HOA fees.
Monthly Payment Estimate
Calculate principal, interest, taxes, insurance, PMI, and HOA in one monthly estimate.
Payment Breakdown Chart
Use the pie chart to see how each cost contributes to your monthly payment.
Total Interest
Estimate how much interest you may pay across the full loan term.
Amortization Summary
Review yearly principal, interest, and remaining balance estimates.
Frequently Asked Questions
Is this mortgage calculator free?
Yes. You can estimate mortgage payments for free.
Does this include taxes and insurance?
Yes. You can enter annual property tax and annual home insurance to estimate a more realistic monthly payment.
Does the calculator include PMI?
Yes. PMI is estimated if the down payment is less than 20% of the home price.
Is this a lender quote?
No. It is only an estimate. Contact a lender for exact rates, fees, and approval details.