Estimate your full monthly payment

Mortgage Calculator Online

Estimate your monthly principal, interest, taxes, insurance and HOA payment, then see how interest and principal shift year by year over the life of the loan.

Home & loan details

Adjust any field and the estimate updates instantly.

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$
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Taxes, insurance & HOA
$
$
$
Total monthly payment (PITI)30-year fixed
$0

Principal & interest, taxes, insurance and HOA combined.

Principal & interest$0
Loan amount$0
Taxes + insurance + HOA$0
Total interest over loan$0

Interest vs. principal paid, by year

This is an educational estimate. It does not include mortgage insurance, closing costs, or changes to tax and insurance rates over time.

How this mortgage calculator works

The principal and interest portion uses the standard fixed-rate amortization formula based on your loan amount, term and interest rate. Property tax, home insurance and any HOA fee are added as flat monthly amounts to estimate your complete PITI payment. The chart totals how much of your annual payments go toward interest versus principal, which shifts as the loan matures.

See the whole payment

Go beyond principal and interest to estimate what actually leaves your bank account each month.

Compare down payments

Switch between dollar amount and percent to quickly see how a larger down payment changes your payment.

Understand amortization

Watch how the interest share of your payment shrinks over time as the loan balance is paid down.

Mortgage calculator FAQ

What does PITI mean?

PITI stands for Principal, Interest, Taxes and Insurance. This calculator also adds an optional HOA fee to estimate your complete monthly housing payment.

How is the monthly mortgage payment calculated?

The principal and interest portion uses the standard fixed-rate amortization formula based on your loan amount, interest rate and term. Taxes, insurance and HOA are added on top as flat monthly amounts.

Should I enter down payment as an amount or a percentage?

Use whichever is easier. Switching the toggle converts automatically between a dollar amount and a percentage of the home price.

Why does the interest portion decrease over time?

Interest is charged on the remaining balance, which shrinks every month. As the balance drops, a larger share of each payment goes toward principal, which the chart illustrates year by year.

Is this mortgage calculator private?

Yes. All calculations run locally in your browser. Your home price, loan details and results are never uploaded or stored.

Continue with the Loan Amortization Calculator, Rent vs Buy Calculator, Tax Calculator, or Investment Calculator. Browse all online tools.