FINANCE · FREE TOOL
Mortgage calculator
Estimate a fixed-rate mortgage payment and the housing costs you enter.
Your inputs
Enter your values, then calculate.
Decimal-point numbers; displayed rounding does not change internal values. Calculations stay on this device.
YOUR RESULT
Make the numbers clear.
Save calculation JSON ↓Calculation breakdown
Scroll sideways to see every column. You can also focus the table and use the arrow keys.
How this calculation works
Loan payment = P·r ÷ [1−(1+r)^−n], with r = nominal annual interest ÷ 12. Zero-interest loans use P÷n. Property tax, insurance and HOA are separate entered estimates, not amounts inferred from your location. No mortgage insurance, closing costs or adjustable-rate changes are added automatically.
Reference: method and limitations. Method reviewed October 22, 2026.
Check the assumptions
Use one currency consistently; financial outputs use that same currency, except the U.S. tax tool specifically uses USD. Financial models use your assumptions, not live rates or personalized financial advice. Check the result against your contract or the applicable tax rules.