Free US mortgage tools for planning, refinancing, and monthly payment estimates.

Free Mortgage Calculator for US Home Buyers

Estimate your monthly mortgage payment, taxes, insurance, PMI, and full amortization schedule in seconds.

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Mortgage Payment Calculator

Estimated Monthly Payment
$0
Principal, interest, tax, insurance, PMI, and HOA.
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Popular Mortgage Tools

Refinance Calculator

Compare your current mortgage with a new loan and estimate monthly savings.

Affordability Calculator

Find out how much home you may afford based on income and debt.

Extra Payment Calculator

See how extra monthly payments may reduce interest and shorten your loan.

Amortization Schedule

View yearly principal, interest, and remaining balance estimates.

Amortization Preview

After calculating your payment, this table shows a simplified yearly schedule.

YearInterest PaidPrincipal PaidBalance
Click calculate to generate schedule.
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Mortgage Guides

Mortgage Calculator FAQ

What is included in a mortgage payment?

A monthly mortgage payment commonly includes principal, interest, property taxes, homeowners insurance, and sometimes PMI or HOA fees.

Is this calculator accurate?

It provides estimates based on the numbers you enter. Actual lender quotes may include fees, escrow changes, and rate adjustments.

What is PMI?

Private mortgage insurance may apply when the down payment is less than 20% on many conventional loans.