Mortgage Calculator

By the FastFreeTools Editorial Team · Last reviewed: May 2026 · See our Editorial Policy for methodology, sourcing, and disclaimers.

Calculate complete monthly mortgage payments including principal, interest, taxes, insurance, and PMI. Methodology: principal & interest use the standard amortization formula M = P · r(1+r)ⁿ / ((1+r)ⁿ − 1). The total monthly figure breaks down into PITI — Principal, Interest, property Taxes, and homeowner's Insurance — plus PMI (estimated at 0.5% annually of loan balance) when down payment is below 20%. Estimates only; consult a licensed mortgage professional. See our editorial policy for the financial disclaimer.

About this tool

A mortgage is likely the largest financial commitment you'll make. Our Mortgage Calculator goes beyond basic principal and interest to include property taxes, homeowner's insurance, and Private Mortgage Insurance (PMI) for a realistic monthly payment estimate. Enter the home price, down payment, interest rate, and loan term to see your total monthly obligation. The calculator shows a detailed payment breakdown and generates an amortization schedule showing how your equity builds over time. Use it to compare different scenarios — see how a larger down payment reduces monthly costs, or how a 15-year vs 30-year term affects total interest.

How to use Mortgage Calculator

Enter the home price and down payment amount.
Enter the interest rate and loan term (15 or 30 years).
Add property tax rate, insurance, and PMI if applicable.
View the complete monthly payment breakdown.

Tips & best practices

20% down payment eliminates PMI, saving hundreds monthly.
Property taxes vary significantly by location — check local rates.
A 15-year mortgage saves massive interest but has higher payments.
Include all costs for a realistic budget: taxes, insurance, HOA, maintenance.

Common use cases

Determining how much house you can afford based on budget.
Comparing 15-year vs 30-year mortgage options.
Calculating the impact of different down payment amounts.
Planning for refinancing by comparing current vs new terms.

Privacy

This tool runs entirely in your browser. We do not upload, store, log, or process your input on any server. Open your browser's DevTools Network tab to verify — there is no outbound request with your data. See our Privacy Policy for details.

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