What is included in a mortgage payment?

Principal and interest (P&I) are the core. Many lenders also include property taxes and insurance (PITI). This calculator shows P&I; add taxes and insurance separately for full monthly cost.

What is a typical mortgage term in the USA?

In the USA, 30-year and 15-year fixed-rate mortgages are common. Shorter terms mean higher monthly payment but less total interest. Use this calculator to compare 15 vs 30 years.

How do I know how much house I can afford?

Lenders often use a debt-to-income ratio (e.g. PITI under 28–36% of income). Use this calculator with different loan amounts to see monthly payment, then compare to your budget.

Mortgage Calculator

Free mortgage calculator. Get instant results — no signup, no account. Plan and compare with confidence.

Use the Mortgage Calculator below.

Calculate your monthly mortgage payment, total interest, and total cost. Free mortgage calculator for USA and international users. Plan your home purchase.

So nutzen Sie Mortgage Calculator

Enter loan amount
Input mortgage amount (home price minus down payment).
Enter rate and term
Enter interest rate and loan term (e.g. 30 years).
View results
See monthly payment, total interest, and total cost.

Funktionen

Instant results — no waiting or signup.
Free to use — no hidden fees.
No login or account required.
Works on all devices — desktop, tablet, and mobile.
Your data stays private — we do not store your inputs.

Warum diesen Rechner nutzen

Plan your finances with accurate estimates.
Compare scenarios in seconds.
Make informed decisions before you borrow or invest.

Unterstützte Browser und Geräte

All modern browsers (Chrome, Firefox, Safari, Edge).
Mobile-friendly — use on phone or tablet.
No app download — runs in your browser.

Häufig gestellte Fragen

Vollständige Anleitung zu Mortgage Calculator

What is a mortgage calculator?

A mortgage calculator estimates your monthly payment (principal and interest) for a home loan. Enter the loan amount, interest rate, and term (e.g. 30 years). Some calculators also include property taxes, insurance, and PMI. Use it to see how much you will pay each month and how much total interest you will pay over the life of the loan.

What affects your mortgage payment?

Loan amount: Larger principal means higher EMI.
Interest rate: Even 0.5% can change your payment and total cost significantly.
Term: 15-year loans have higher monthly payments but much less total interest than 30-year.
Property taxes and insurance: Often paid via escrow; add to your budget.
PMI: Required if down payment is below 20%; adds to monthly cost until you reach 20% equity.

Fixed vs adjustable rate

Fixed-rate mortgages keep the same rate for the full term; your principal and interest payment stays constant (excluding tax/insurance changes). Adjustable-rate (ARM) loans start with a lower rate that can change after an initial period. Use this calculator with different rates to compare 15-year vs 30-year and fixed vs ARM scenarios.

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