Mortgage Calculator
Mortgage Calculator works out your monthly payment, total interest paid and a full amortisation schedule for any home loan. Enter the amount, annual rate and term to see a breakdown of every payment.
Last updated: July 2026
A mortgage calculator estimates your monthly payment from the loan amount, interest rate and term. It also shows the total interest and a full amortisation schedule — how much goes to principal vs interest each month. All calculations run in your browser; nothing is uploaded.
How to use Mortgage Calculator
- Enter the total loan amount, annual interest rate and term in years.
- Optionally add a down payment amount.
- Read your monthly payment, total interest and full amortisation schedule.
Frequently asked questions
Does this include taxes and insurance?
No — it calculates principal and interest only. Add property tax, insurance and HOA fees separately.
What is the amortisation schedule?
A month-by-month breakdown showing how much of each payment goes to principal vs interest, and the remaining balance.
Is my data uploaded?
No — the calculation runs entirely in your browser.
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