Mortgage Calculator
Calculate monthly mortgage payments and amortization schedule with taxes, insurance, HOA, PMI, and extra payments—download CSV and estimate payoff time.
Down payment is %
Toggle to enter a fixed amount
Include PMI
Applies when down payment is below 20%
Loan amount
$360,000
Down: $90,000 (20%)
Monthly payment (total)
$2,850.44
P&I: $2,275.44
Payoff estimate
30y 0m
Total interest
$459,160
| Month | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| 1 | $2,275.44 | $1,950.00 | $325.44 | $359,674.56 |
| 2 | $2,275.44 | $1,948.24 | $327.21 | $359,347.35 |
| 3 | $2,275.44 | $1,946.46 | $328.98 | $359,018.37 |
| 4 | $2,275.44 | $1,944.68 | $330.76 | $358,687.61 |
| 5 | $2,275.44 | $1,942.89 | $332.55 | $358,355.05 |
| 6 | $2,275.44 | $1,941.09 | $334.36 | $358,020.70 |
| 7 | $2,275.44 | $1,939.28 | $336.17 | $357,684.53 |
| 8 | $2,275.44 | $1,937.46 | $337.99 | $357,346.54 |
| 9 | $2,275.44 | $1,935.63 | $339.82 | $357,006.73 |
| 10 | $2,275.44 | $1,933.79 | $341.66 | $356,665.07 |
| 11 | $2,275.44 | $1,931.94 | $343.51 | $356,321.56 |
| 12 | $2,275.44 | $1,930.08 | $345.37 | $355,976.19 |
| 13 | $2,275.44 | $1,928.20 | $347.24 | $355,628.95 |
| 14 | $2,275.44 | $1,926.32 | $349.12 | $355,279.83 |
| 15 | $2,275.44 | $1,924.43 | $351.01 | $354,928.81 |
| 16 | $2,275.44 | $1,922.53 | $352.91 | $354,575.90 |
| 17 | $2,275.44 | $1,920.62 | $354.83 | $354,221.07 |
| 18 | $2,275.44 | $1,918.70 | $356.75 | $353,864.33 |
| 19 | $2,275.44 | $1,916.77 | $358.68 | $353,505.65 |
| 20 | $2,275.44 | $1,914.82 | $360.62 | $353,145.02 |
| 21 | $2,275.44 | $1,912.87 | $362.58 | $352,782.45 |
| 22 | $2,275.44 | $1,910.90 | $364.54 | $352,417.91 |
| 23 | $2,275.44 | $1,908.93 | $366.51 | $352,051.39 |
| 24 | $2,275.44 | $1,906.95 | $368.50 | $351,682.89 |
| 25 | $2,275.44 | $1,904.95 | $370.50 | $351,312.40 |
| 26 | $2,275.44 | $1,902.94 | $372.50 | $350,939.90 |
| 27 | $2,275.44 | $1,900.92 | $374.52 | $350,565.38 |
| 28 | $2,275.44 | $1,898.90 | $376.55 | $350,188.83 |
| 29 | $2,275.44 | $1,896.86 | $378.59 | $349,810.24 |
| 30 | $2,275.44 | $1,894.81 | $380.64 | $349,429.60 |
| 31 | $2,275.44 | $1,892.74 | $382.70 | $349,046.90 |
| 32 | $2,275.44 | $1,890.67 | $384.77 | $348,662.12 |
| 33 | $2,275.44 | $1,888.59 | $386.86 | $348,275.26 |
| 34 | $2,275.44 | $1,886.49 | $388.95 | $347,886.31 |
| 35 | $2,275.44 | $1,884.38 | $391.06 | $347,495.25 |
| 36 | $2,275.44 | $1,882.27 | $393.18 | $347,102.07 |
Download the full amortization schedule as CSV for spreadsheets.
Our mortgage calculator helps you estimate your monthly home payment, understand how amortization works, and plan smarter payoff strategies. Add optional costs like property taxes, insurance, HOA dues, and PMI, then export the schedule for deeper analysis.
Common Use Cases
- ✓Home Buying Decisions
Estimate affordability with full monthly payment including taxes, insurance, HOA, and PMI.
- ✓Refinance Comparison
Compare how different interest rates or terms affect your monthly payment and total interest.
- ✓Extra Payment Planning
See how extra monthly or annual payments can reduce interest and shorten payoff time.
- ✓Budgeting
Break down monthly costs to plan a realistic housing budget.
- ✓Real Estate Professionals
Provide fast estimates for clients during property tours and consultations.
- ✓Spreadsheet Export
Download amortization schedule CSV for deeper analysis in Excel or Google Sheets.
Key Features
Full Monthly Payment
Includes principal & interest plus optional taxes, insurance, HOA, and PMI
Amortization Schedule
Generate a month-by-month breakdown and export as CSV
Extra Payments
Model extra monthly payments and annual lump sums to see payoff impact
Payoff Estimate
See how long it will take to pay off the loan based on your strategy
Copy Summary
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Frequently Asked Questions
What is included in a mortgage payment?
A mortgage payment often includes principal and interest (P&I). Many homeowners also pay property taxes and insurance, and sometimes HOA dues or PMI.
What is PMI?
Private Mortgage Insurance (PMI) is commonly required when your down payment is less than 20%. It typically stops after you reach enough equity (rules vary by loan).
How are payments calculated?
Most fixed-rate mortgages use an amortization formula where each payment covers interest first, then principal. Over time, principal portion increases while interest portion decreases.
Do extra payments help?
Yes. Extra payments reduce principal faster, which can significantly reduce total interest and shorten the payoff timeline.
Is this tool accurate?
It provides strong estimates for planning. Actual loan terms, escrow rules, PMI removal, taxes, and insurance can vary by lender and location.
Can I export the amortization schedule?
Yes. Download a full CSV schedule to analyze in Excel or Google Sheets.