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🏠 Mortgage & Loan Calculator

Mortgage & Loan Calculator

Monthly payment, total interest, and a full amortization schedule — instantly.

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Total monthly payment
$0
Principal & interest
$0
Taxes, insurance & HOA
$0
Loan amount
$0
Total interest paid
$0
Year Principal paid Interest paid Remaining balance

How the Monthly Payment Is Calculated

This calculator uses the standard fixed-rate amortization formula: M = P × r(1+r)^n / ((1+r)^n − 1), where P is your loan principal (price minus down payment), r is the monthly interest rate (annual rate ÷ 12), and n is the total number of monthly payments (years × 12). The "total monthly payment" figure also folds in estimated property tax, home insurance, and HOA fees, since those are real costs on top of principal and interest for most homeowners.

Reading the Amortization Schedule

Even though your principal & interest payment stays flat for the life of a fixed-rate loan, the split between interest and principal shifts every year — early payments are mostly interest, later payments are mostly principal. The yearly table breaks this down so you can see exactly how much equity you build each year and how much total interest you'll pay over the life of the loan.

房贷/贷款计算器

输入房价、首付、利率和贷款年限，即可立即算出每月还款额（含本金、利息，以及可选的房产税、保险和物业费），并附带逐年摊还明细表。所有计算均在浏览器本地完成。

Frequently Asked Questions

How is the monthly mortgage payment calculated?▼
This tool uses the standard amortization formula: M = P × r(1+r)^n / ((1+r)^n − 1), where P is the loan principal, r is the monthly interest rate (annual rate ÷ 12), and n is the number of monthly payments (years × 12).
What's included in the "total monthly payment"?▼
It's your principal & interest payment plus any optional extras you enter: monthly property tax (derived from an annual tax rate), monthly home insurance, and HOA fees — giving a more realistic all-in monthly cost.
What is amortization?▼
Amortization is how a loan payment is split between interest and principal over time. Early payments are mostly interest; later payments are mostly principal, even though the total payment stays the same for a fixed-rate loan. The yearly schedule shows this shift.
Does this tool store my financial data?▼
No. All calculations happen instantly in your browser with plain JavaScript. Nothing is sent to any server.