Loan & Mortgage Calculator
See your real monthly payment, including taxes, insurance and PMI. Find out how much extra payments save, and get the full month-by-month schedule.
What “calculated on your device” means for this tool
When you open this page, your browser downloads the calculator itself, the same way any web page loads. From then on, every calculation happens inside your browser, on your own device. The numbers you enter are never sent to this website’s server or to anyone else. No lenders, no "get pre-approved" forms.
What is saved: your last numbers are remembered in this browser only, so they're there when you come back. Clearing your browsing data removes them.
What the server does see: like any website, the server that delivers this page sees basic connection details such as your IP address and which page was requested. Never your numbers.
Visit counting: this site counts visits with privacy-friendly analytics. No cookies, no ads, no tracking across other sites, and your IP address is not stored. It records which page you opened, your country, your device type, how long you stayed and when you download a result, never the file or anything in it.
Results are estimates for planning. Your lender's figures may differ slightly because of rounding, fees and how they schedule payments.
Monthly extras
Pay it off faster
The second box is which payment it goes with (12 = one year in).
Where each monthly payment goes
Balance over time
Payment schedule
How to use the Loan & Mortgage Calculator
- Enter the price or loan amount, rate and length.
- Add taxes, insurance, PMI and HOA for a mortgage.
- Try extra payments to see the savings.
- Download the full schedule.
Questions
When does PMI stop?
PMI applies when you put down less than 20%, and stops once the balance reaches 78% of the home price.
How much do extra payments save?
Enter an extra monthly, yearly or one-time amount to see the interest saved and how much sooner you pay off.