Mortgage Calculator — Monthly P&I + Schedule
Enter price, down payment, rate, and term to see monthly P&I, total interest, payoff total, plus a yearly balance table. Free, private, instant online now.
Free, no signup needed. Runs 100% in your browser.
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How to use this tool
- Enter home price and down payment percent.
- Set the rate and loan term in years.
- See payment, interest, and the yearly table.
Frequently asked questions
How is the monthly payment computed?
With P&I = P × r × (1+r)^n / ((1+r)^n − 1) on the loan after down payment. Taxes, insurance, and fees are extra.
What does the yearly table show?
Interest paid, principal repaid, and remaining balance per year, so you can see when principal starts dominating.
Can I model extra monthly payments?
Not on this page. It shows the base schedule. Overpaying shortens the term, so use a prepayment calculator for that.
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