MortgageCalculator.org
Estimate mortgage payments with taxes, insurance, PMI, and amortization.
MortgageCalculator.org is a free web calculator for estimating monthly home-loan payments and long-term repayment costs. It supports common mortgage inputs such as down payment, rate, term, taxes, insurance, HOA dues, PMI, and loan type, then shows payoff timing, interest totals, and optional amortization tables. The site also includes related calculators and educational mortgage content for refinancing, affordability, loan types, and repayment strategies.
Why it stands out
- Handles more than just principal and interest by including taxes, insurance, PMI, HOA dues, and loan-program choices.
- Offers both monthly and annual amortization views, making it useful for long-term payoff planning.
- Covers a wide range of adjacent mortgage scenarios, including refinance, ARM, points, affordability, and extra-payment planning.
- Provides embeddable calculator and rate-table options for website owners, not just a standalone consumer calculator.
Good to know
- Calculations are estimates and do not replace a lender quote, underwriting decision, closing disclosure, or local tax assessment.
- The content and loan options are strongly U.S.-focused, so it is not a general international mortgage calculator.
- Displayed rate offers and location-based mortgage links may reflect advertising or lead-generation relationships rather than a complete market comparison.
Under the radar: After entering a scenario, use the “Copy this url” option to save or share the exact calculation setup instead of manually re-entering all the loan assumptions later.
Photos
U.S. homebuyers and refinancers can model mortgage payments and total costs before speaking with a lender. Compare 15-year versus 30-year loan scenarios or test different down payments and rates. Estimate how property taxes, homeowners insurance, HOA fees, and PMI affect the real monthly payment. Review annual or monthly amortization to understand how principal and interest change over time. Explore whether biweekly payments or extra payments could shorten the loan payoff schedule.
Main mortgage payment calculator with loan amount, rate, term, start date, taxes, PMI, insurance, HOA, and loan type inputs. Optional charts, monthly and annual amortization tables, biweekly payment comparison, local rate links, refinance and affordability calculators, and additional guides covering FHA, VA, USDA, jumbo, ARM, HELOC, and refinancing topics.
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Similar sites elsewhere
- Bankrate Mortgage Calculator — bankrate.com/mortgages/mortgage-calculator/
- NerdWallet Mortgage Calculator — nerdwallet.com/mortgages/mortgage-calculator
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