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Mortgage Calculator

Estimate mortgage principal, monthly principal and interest, and total repayment without taxes or fees.

Monthly principal and interest only. Taxes, insurance, HOA charges and other fees are excluded. Payments occur at month-end.

All amounts use the same currency of your choice. Rates are fixed; results are estimates rounded to two decimals.

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Principal and repayment formula

Principal is property price minus down payment. Enter the down payment as an amount or percentage. Monthly payment = P × i / (1 − (1 + i)^−n), with principal P, monthly rate i and n months. At 0% it divides principal equally across all months. The yearly table shows principal paid, interest and remaining debt.

What is excluded

Taxes, insurance, HOA charges, fees and rate changes are excluded. A principal of 120,000 over ten years at 0% costs 1,000 monthly. Actual lender offers can differ because of rounding, payment dates and contract terms.

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