Mortgage Calculator — Monthly Payments & Charts | Calcify All
Mortgage Calculator

Plan your home purchase with
monthly payment breakdown & charts.

Calculate your mortgage instantly see principal, interest, taxes & insurance month by month. Compare terms and simulate extra payments.

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Mortgage Calculator

Enter your home price, down payment, and loan details to see your full monthly payment breakdown including taxes and insurance.

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$50K$2M
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0%50%
= $80,000
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1%15%
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Monthly P&I
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Total Monthly
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Total Interest
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Total Cost
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Principal —
Total interest —
Taxes (life) —
Insurance (life) —
Monthly payment breakdown
Principal & Int.
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Prop. Tax
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Insurance
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PMI
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HOA
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Adjust sliders to instantly see how price, rate, and down payment affect your monthly cost.

Full month-by-month breakdown of principal, interest, and remaining balance.

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Amortization — 360 payments

Period Payment Principal Interest Balance

Fixed-rate loan, equal monthly payments. Extra payments not included.

Compare how different loan terms and rates affect your monthly payment and total interest.

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Green card = lowest total interest paid over the life of the loan.

See how making extra monthly payments reduces your interest and shortens your loan.

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Find out the maximum home price you can afford based on your income and monthly budget.

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How mortgage calculations work

Your monthly mortgage payment has several components principal, interest, taxes, and insurance (PITI). Early payments go mostly toward interest; later payments shift toward paying down principal.

P&I Formula
M = P[r(1+r)ⁿ] / [(1+r)ⁿ−1]
28% Rule
Keep total housing costs (PITI) under 28% of gross monthly income.
PMI tip
Put 20% down to avoid PMI. Even 5% extra saves thousands over the loan.
Key insight
A 1% rate drop on a $400K loan saves ~$230/month over 30 years.