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Mortgage Calculator

Work out your monthly mortgage payment with taxes, insurance, PMI and HOA, total interest, payoff date and a yearly amortization table. Free, private.

  • No uploads
  • No limits
  • No signup
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Monthly payment$1,918.56
Loan amount$320,000.00
Total interest$370,682.20

Monthly payment breakdown

  • Principal & interest$1,918.56

Payment schedule

PeriodPaymentPrincipalInterestBalance
$23,022.74$3,929.64$19,093.10$316,070.36
$23,022.74$4,172.01$18,850.73$311,898.35
$23,022.74$4,429.33$18,593.41$307,469.02
$23,022.74$4,702.52$18,320.22$302,766.50
$23,022.74$4,992.56$18,030.18$297,773.94
$23,022.74$5,300.49$17,722.25$292,473.45
$23,022.74$5,627.41$17,395.33$286,846.03
$23,022.74$5,974.50$17,048.24$280,871.53
$23,022.74$6,343.00$16,679.74$274,528.54
$23,022.74$6,734.22$16,288.52$267,794.32
$23,022.74$7,149.57$15,873.17$260,644.75
$23,022.74$7,590.54$15,432.20$253,054.21
$23,022.74$8,058.71$14,964.03$244,995.50
$23,022.74$8,555.75$14,466.99$236,439.75
$23,022.74$9,083.45$13,939.29$227,356.30
$23,022.74$9,643.70$13,379.04$217,712.60
$23,022.74$10,238.50$12,784.24$207,474.10
$23,022.74$10,869.99$12,152.75$196,604.12
$23,022.74$11,540.43$11,482.31$185,063.69
$23,022.74$12,252.21$10,770.53$172,811.48
$23,022.74$13,007.90$10,014.84$159,803.57
$23,022.74$13,810.20$9,212.54$145,993.37
$23,022.74$14,661.99$8,360.75$131,331.38
$23,022.74$15,566.30$7,456.44$115,765.08
$23,022.74$16,526.40$6,496.34$99,238.68
$23,022.74$17,545.71$5,477.03$81,692.97
$23,022.74$18,627.89$4,394.85$63,065.07
$23,022.74$19,776.82$3,245.92$43,288.25
$23,022.74$20,996.61$2,026.13$22,291.64
$23,022.74$22,291.64$731.10$0.00
Input:
Amount · Percentage
Output:
Amount · Date · CSV
Runs on:
Your device
Size limit:
None
Account:
Not needed

How to use Mortgage Calculator

  1. Enter the home and the loan

    Type the home price, your down payment (as a percentage or an amount), the interest rate and the loan term.

  2. Add the running costs

    Optionally add property tax, home insurance, PMI and HOA fees, plus any extra amount you plan to pay each month.

  3. Read the payment and schedule

    See the full monthly payment and what it is made of, the total interest and payoff date, then open any year of the schedule or download it as CSV.

Why Mortgage Calculator on Toolshed

  • No uploads

    Everything runs in this browser tab. Your files never leave your device.

  • No limits

    No file-size caps, no daily quotas. Process as much as your device can handle.

  • No signup

    No account, no email, no watermark.

Frequently asked questions

What does the monthly payment include?

Principal and interest on the loan, plus one twelfth of the yearly property tax and home insurance, PMI while it applies, and HOA fees. Leave a field empty to keep it out of the total.

How is PMI calculated?

PMI is charged as a yearly percentage of the loan amount (often 0.3% to 1.5%) when you put down less than 20%. The calculator stops it once the balance reaches 80% of the home price, as most lenders do.

What does an extra monthly payment change?

The extra amount goes straight to the principal, so the balance falls faster: you pay less interest overall and the loan ends earlier. The payoff date and schedule update as you type.

How accurate is the result?

It uses the standard fixed-rate amortization formula, so principal and interest match what lenders quote to the cent before rounding. Taxes, insurance and fees are your estimates. Everything is calculated in your browser; nothing you enter is sent anywhere.

Are my files uploaded anywhere?

No. Mortgage Calculator runs entirely in your browser. Your files are processed on your device and are never sent to a server.

Is there a file size limit?

No fixed limit. The only limit is your device's memory. Very large files work best in a desktop browser.