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Mortgage calculator with amortization table to estimate monthly payment, loan amount, interest rate, or loan term for a simple home loan setup. Includes down payment, start date, payoff date, result chart, and full amortization schedule.
Use this mortgage calculator to estimate your loan payment, home price, interest rate, or loan term, then review the payoff date and full amortization schedule.
Common ways to use this calculator:
What the calculator shows:
The base mortgage schedule remains separate from ownership costs, so you can compare the loan itself against broader housing expenses.
How do I calculate a mortgage payment?Enter home price, down payment, interest rate, and loan term. The calculator estimates the mortgage payment, total mortgage payments, total interest, payoff date, and amortization schedule.
What is the difference between loan payment and total out-of-pocket?Loan payment covers the mortgage principal and interest only. Total out-of-pocket adds recurring ownership costs such as property taxes, insurance, mortgage insurance, and other housing costs when Advanced options are enabled.
Does the amortization table include taxes and insurance?No. The amortization table stays focused on the mortgage itself: beginning balance, interest, principal, total mortgage payment, and ending balance. Taxes and insurance are shown separately in the housing-cost breakdown.
Can I estimate payoff date and full mortgage cost?Yes. The calculator uses the start date and repayment schedule to estimate the payoff date, and it shows total mortgage payments, total interest, and a full period-by-period amortization table.
