Two-story house at golden hour with warm glowing windows, a calculator, house keys and a colorful bar chart on a wooden table in the front yard

Mortgage Calculator Free: Payments & Payoff

aop3d tech

See your real monthly mortgage payment in seconds — principal, interest, and honest estimates for tax, insurance and PMI you can edit. Free, no sign-up, nothing leaves your phone.

🏡 Mortgage Calculator

Type your numbers — the payment updates as you go.

Estimated monthly payment

—

Principal & interest—
Property tax est.—
Insurance est.—
PMI est.—
Loan amount—
Total interest—
Payoff date—

See the year-by-year payoff plan
Year Principal paid Interest paid Balance left
How to Use
  • Start: Enter the home price, your down payment, the rate a lender quoted you, and the term.
  • Estimates: Tax, insurance and PMI start as editable estimates — replace them with your real local numbers for a truer payment.
  • Plan: Open the year-by-year table to see how fast the balance falls and when the loan is gone.

More free money tools: the Free Empire Hub · LoanSnap: Free Loan Payment Calculator. Want a human to just do it for you? Text the Wizard: 781-507-1606

Estimates only, for planning — not financial advice. Your lender's official quote is the final word.

Back to blog