Mortgage Calculators

Professional mortgage calculation tools for home buyers, homeowners, and real estate professionals. Make informed decisions about home financing with accurate payment calculations and detailed amortization analysis.

Available Calculators

Popular

Monthly Payment Calculator

Calculate your monthly mortgage payment including principal and interest. Optional amortization schedule shows payment breakdown over the life of the loan.

Calculate Payment

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Refinance Calculator

Compare your current mortgage with refinance options to see potential savings.

Home Affordability Calculator

Determine how much house you can afford based on your income and expenses.

Loan Comparison Tool

Compare multiple loan scenarios side-by-side to find the best option.

Mortgage Calculator Features

Accurate Calculations

Uses the standard mortgage payment formula: M = P[r(1+r)^n]/[(1+r)^n-1]

Detailed Amortization

View complete payment schedules with principal/interest breakdown

Down Payment Analysis

Calculate how different down payments affect monthly costs

Total Cost Breakdown

See total interest and lifetime cost of your mortgage

How Mortgage Payments Work

Your monthly mortgage payment consists primarily of principal and interest. Early in your loan term, most of your payment goes toward interest. As you pay down the loan, more of your payment goes toward the principal.

Our calculator uses the standard amortizing loan formula to determine exactly how much you'll pay each month and how your payments will be allocated over time.

Key Factors That Affect Your Payment:

Loan Amount: Total borrowed (home price minus down payment)
Interest Rate: Annual percentage rate charged by lender
Loan Term: Length of time to repay (typically 15 or 30 years)
Down Payment: Upfront payment that reduces loan amount