US Mortgage Calculators
Estimate US mortgage payments, extra-principal payoff savings and refinancing costs. Compare fixed-rate scenarios and download amortization schedules.
Estimate a monthly housing budget, see the effect of paying extra principal, or compare a proposed refinance. These US mortgage calculators use USD, fixed-rate assumptions, and costs you enter yourself.
3 tools available · No account required
US Mortgage Calculator with Taxes, Insurance & PMI
Estimate a US mortgage payment with principal, interest, property tax, insurance, HOA and your PMI estimate. View the breakdown and download an amortization CSV.
Open tool MORTGAGE · ON YOUR DEVICEMortgage Extra Payment Calculator
See how extra monthly principal changes mortgage payoff time and total interest. Compare the standard schedule with accelerated payments and export a CSV.
Open tool MORTGAGE · ON YOUR DEVICEMortgage Refinance Calculator: Costs & Break-Even
Compare current and refinanced mortgage payments, cash closing costs, break-even time and lifetime payments. Download the proposed new-loan repayment schedule.
Open toolEstimate the full monthly housing budget
The mortgage payment calculator separates principal and interest from property tax, homeowners insurance, HOA fees, and your entered PMI estimate. These additional housing costs can change even when a fixed principal-and-interest payment remains steady.
Compare extra payments and refinancing
The extra-payment calculator compares a regular loan schedule with additional monthly principal. The refinance calculator compares current and proposed payments, cash closing costs, simple cash-flow break-even, and undiscounted lifetime payments.
Review the limits of a mortgage estimate
Example rates are assumptions rather than live offers. The tools do not determine lender eligibility, PMI cancellation, tax deductions, government-loan rules, or adjustable-rate changes. Use lender documents and the page-specific assumptions to interpret results.