MORTGAGE CALCULATOR · FREE · NO LOGIN
Mortgage calculator
payment · taxes · PMI
Estimate the monthly payment, see the amortization schedule, and test extra payments. Runs in your browser.
Amortization (first 12 months)
| Month | Payment | Principal | Interest | Balance |
|---|
Edit values and click Calculate.
How this calculator works
The principal and interest payment uses the standard amortization formula. Property tax is estimated from the home price; homeowners insurance is a yearly amount; PMI is charged while the loan-to-value is above 80% (a common rule, not a universal one). Extra principal is applied after the scheduled payment each month.
Compare: 30-year vs 15-year mortgage.
The schedule is an estimate. Actual payments depend on your lender, escrow rules, HOA, mortgage insurance rules, and local taxes. This is not a loan offer or financial advice.
No login, no upload. A free utility by XGame.