Mortgage Calculator
Estimate your monthly payment, total interest paid and full amortisation schedule.
Quick answer: Estimate your monthly payment, total interest paid and full amortisation schedule.
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Frequently asked questions
- Does this include taxes, insurance, PMI or HOA?
- No — only principal and interest. Your real monthly housing cost will be higher; add property tax (~1%/yr of value), insurance (~$1k/yr), HOA fees and PMI (if down < 20%).
- Which formula do you use?
- The standard amortising-loan formula: M = P × r / (1 - (1+r)^-n), where r is the monthly rate, n is the number of payments, and P is the principal.
- Can I choose a different currency?
- Yes — we have presets for USD, EUR, GBP, CAD, AUD, JPY and others. The currency only affects the display formatting; all calculations are pure numbers.
- How accurate is the schedule?
- Accurate to the cent for the displayed values. The final payment may be a few cents higher or lower than the rest because of rounding — same as your bank's amortisation table.
- Are my numbers uploaded?
- No — every calculation runs in your browser. Nothing leaves your device.