Mortgage Calculator

Work out your monthly US mortgage payment including property tax, insurance and PMI - locally in your browser, no upload.

$2,022.62

Monthly payment

$2,514.28

Total monthly payment

$408,142.36

Total interest

$985,142.36

Total cost

Remaining balance

Remaining balance
#	Wert
1	320000
2	316423
3	312607
4	308535
5	304191
6	299555
7	294609
8	289332
9	283701
10	277694
11	271284
12	264444
13	257147
14	249361
15	241053
16	232189
17	222732
18	212641
19	201874
20	190386
21	178129
22	165051
23	151097
24	136208
25	120323
26	103373
27	85289
28	65993
29	45405
30	23438
31	0

Year by year

Year by year
Year	Interest	Principal	Remaining balance
1	$20,694.69	$3,576.72	$316,423.28
2	$20,455.15	$3,816.26	$312,607.02
3	$20,199.57	$4,071.84	$308,535.17
4	$19,926.87	$4,344.54	$304,190.63
5	$19,635.91	$4,635.50	$299,555.13
6	$19,325.46	$4,945.95	$294,609.18
7	$18,994.22	$5,277.19	$289,331.98
8	$18,640.80	$5,630.62	$283,701.37
9	$18,263.70	$6,007.71	$277,693.66
10	$17,861.36	$6,410.06	$271,283.60
11	$17,432.06	$6,839.35	$264,444.26
12	$16,974.02	$7,297.39	$257,146.86
13	$16,485.30	$7,786.11	$249,360.75
14	$15,963.85	$8,307.56	$241,053.19
15	$15,407.48	$8,863.94	$232,189.25
16	$14,813.84	$9,457.57	$222,731.68
17	$14,180.45	$10,090.96	$212,640.72
18	$13,504.64	$10,766.77	$201,873.95
19	$12,783.57	$11,487.84	$190,386.11
20	$12,014.21	$12,257.20	$178,128.90
21	$11,193.32	$13,078.09	$165,050.81
22	$10,317.46	$13,953.96	$151,096.86
23	$9,382.93	$14,888.48	$136,208.38
24	$8,385.83	$15,885.59	$120,322.79
25	$7,321.94	$16,949.47	$103,373.32
26	$6,186.80	$18,084.61	$85,288.71
27	$4,975.64	$19,295.77	$65,992.94
28	$3,683.37	$20,588.05	$45,404.89
29	$2,304.55	$21,966.86	$23,438.03
30	$833.39	$23,438.03	$0.00

Is my file uploaded?

No. Everything runs in your browser - your file never leaves your device. How this is verifiable

No upload100% local

Your content stays with youno third-party access

Hosted in GermanyGlobal Content Delivery

Independently auditedTLS A+ · HTTP headers A+

A US mortgage calculator estimates the full monthly cost of buying a home: principal and interest under the standard amortizing-loan model, plus the three items US lenders typically collect through an escrow account - property tax, homeowners insurance and, below 20 percent down, PMI (Private Mortgage Insurance).

The calculation runs entirely locally in your browser, in pure JavaScript - nothing is uploaded or stored. The loan amount follows from the home price minus the down payment; the calculator applies the standard annuity formula to it. Property tax and insurance are spread evenly per month, PMI only while the down payment stays below 20 percent. You immediately see the pure loan payment, the total monthly (PITI) payment, the total interest and the amortization schedule.

An honest note: this is a model-based estimate, not a loan commitment. PMI is modelled for the full term here, even though many lenders remove it automatically once 20 percent equity is reached - your real payment may fall over time. HOA fees, closing costs and local special assessments are not included. Property tax and interest rates vary widely by state, county and borrower profile - get a real quote from a lender before making a financing decision.

Specifications

Specifications
Input formats	Form inputs (no file)
Processing	Locally in your browser (JavaScript)
File upload	None

In 3 steps

Enter the home price, down payment and loan term.
Adjust the interest rate, property tax, insurance and PMI.
Read off the monthly payment, total payment and amortization schedule.

Limitations: A model-based estimate, not a loan commitment. PMI runs for the full term with no automatic removal; HOA fees, closing costs and local special assessments are not included. The interest and property-tax rates are sample values - use your actual lender and state/county rates.

FAQ

Does my home price or address leave my device?

No, the entire calculation runs locally in your browser - nothing is uploaded or stored.

What is PMI and when does it go away?

PMI is private mortgage insurance most lenders require below 20 percent down. In practice it is usually removed automatically once 20 percent equity is reached - this calculator simplifies by modelling it for the full term.

What does PITI mean?

Principal, Interest, Taxes, Insurance - the four pieces of a US monthly payment this calculator sums into the "total monthly payment".

Are HOA fees included?

No, homeowners association fees are not part of this calculation.

What interest rate should I enter?

The actual note rate quoted by a lender - not the APR, which folds in additional fees.