Mortgage calculator
Most calculators stop at the monthly payment. This one shows you the whole loan: how much of every payment goes to the house versus the bank, what the interest actually costs you over thirty years, and how much an extra hundred dollars a month would change it.
Estimated monthly payment
$0 / month
Every bar is one year of payments, split between what pays down the house and what goes to the bank as interest.
| Year | Principal | Interest | Paid this year | Balance left |
|---|
These numbers are estimates for planning, not a loan offer. This calculator is a general education tool. It is not a quote, a pre-approval, or an offer to lend, and it is not financial, tax, or legal advice. Only a licensed lender can tell you what you actually qualify for.
Your real payment will differ. Property taxes vary by town and change when a property is reassessed, insurance depends on the home and your carrier, and PMI rules and rates vary by lender and loan program. This tool assumes a fixed rate for the life of the loan and does not account for closing costs, escrow adjustments, or changes to your tax bill over time. I am a REALTOR®, not a lender. I am glad to walk through what these numbers mean for a specific home, and to connect you with a lender who can give you real figures.
Shoot me a text instead. I'll get back to you a whole lot faster, and you can do it from the couch without rehearsing what to say first.
Text me →Texts come straight to my cell. No auto-responder, no call center, no assistant. Just me.