Mortgage Calculator
Monthly mortgage payment and all-in housing costs.
How this calculator works
Loan amount = home price − down payment; monthly principal and interest follow the standard amortizing loan formula.
Calculation assumptions
Property tax and annual insurance are divided by 12; insurance, HOA and taxes are separate from loan interest.
Example
A $300,000 home with $60,000 down has a $240,000 loan balance before fees.
For planning only. Not financial advice or a lender quote.
Frequently asked questions
Are my financial numbers stored or sent to your server?
No. Inputs remain in browser memory. Only language, currency, theme and recently used calculator IDs may be saved on this device. Exports are created locally.
Why can a lender’s quote differ?
Our calculations use the assumptions shown here. A lender may apply different dates, daily interest, fees, taxes, insurance or rounding.
Can I select a different currency?
Yes. Currency selection changes only the symbols and number formatting; no exchange-rate conversion occurs.