Mortgage Calculator: Home Loan

Planning to buy a home, refinance, or pay off your mortgage faster? This mortgage calculator gives you an instant, accurate monthly payment estimate — including property taxes, home insurance, and HOA fees — so you know what a house will really cost before you commit.

No sign-up, no clutter. Enter your numbers and get answers in seconds.

CALCULATE YOUR MONTHLY PAYMENT
Enter the loan amount, interest rate, and term to see your monthly mortgage payment instantly. Add property taxes, insurance, and HOA fees to get a complete house payment estimate — not just principal and interest. Switch between monthly, bi-weekly, and weekly payment frequencies to see how each one changes your costs.

FULL AMORTIZATION SCHEDULE
See every mortgage payment from your first month to your payoff date:
• Month-by-month breakdown of principal, interest, and remaining balance
• Payments grouped by year so long loans stay readable
• Total interest and total cost of the loan at a glance
• Export the entire amortization schedule to CSV for Excel or Google Sheets

HOME AFFORDABILITY CALCULATOR
How much house can you afford? Enter your income, monthly debts, and down payment to estimate a realistic price range and monthly budget before you start shopping — useful for first-time home buyers who want a number they can trust.

REFINANCE CALCULATOR
Thinking about refinancing? Compare your current home loan against a new interest rate and term, see your monthly savings, and find your break-even point so you know whether refinancing is actually worth it.

EXTRA PAYMENT PAYOFF PLANNER
See how extra monthly payments or a one-time lump sum shrink your loan. The payoff planner shows how many years you can cut from your mortgage and how much interest you save — often tens of thousands of dollars.

VISUAL PAYMENT BREAKDOWN
A clear chart splits every payment into principal, interest, taxes, insurance, and HOA, so you can see exactly where your money goes each month.

PRIVATE BY DESIGN
All calculations happen on your device. No account required and no personal financial data is collected or shared.

WHO IT'S FOR
• First-time home buyers estimating what they can afford
• Homeowners planning a mortgage refinance or early payoff
• Real estate agents and loan officers running quick scenarios with clients
• Property investors comparing loan options

Whether you need a quick house payment estimate or a full amortization schedule for a 15 or 30 year loan, this home loan calculator puts every number you need in one free app.

Download Mortgage Calculator and plan your home purchase with confidence.