🏠 Mortgage Calculator Plus
Your complete toolkit for mortgage planning & analysis
Today's Rate
6.75%
30-year fixed
National Average
6.82%
↓ 0.03% this week
Saved Scenarios
0
calculations stored
Country
🇺🇸 US
currency: USD
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Mortgage Calculator
Estimate your monthly payment
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Affordability
How much home can you afford?
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Mortgage Comparison
Compare up to 4 scenarios
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Mortgage Guide
🧮 Mortgage Calculator
Estimate your monthly mortgage payment
input
Loan Information
$
$
analytics
Payment Summary
$1,815.98
Monthly Payment
$1,815.98
Principal + Interest
$373,752.80
Total Interest Paid
$653,752.80
Total Cost of Loan
Jul 2056
Payoff Date
6.75%
Effective Interest Rate
80.0%
LTV Ratio
6.89%
APR
real_estate_agent
Taxes & Insurance
Total Monthly Payment: $2,035.98
Monthly Taxes: $350.00
Monthly Insurance: $100.00
Monthly PMI: $0.00
Monthly HOA: $0.00
receipt_long
Closing Costs
Total Closing Costs: $4,350.00
⚙️ Advanced Mortgage Calculator
Full-featured calculator with all variables
All Inputs
Results
$1,815.98
Monthly Payment
$373,752.80
Total Interest
$653,752.80
Total Cost
Jul 2056
Payoff Date
6.75%
Effective Rate
80.0%
LTV Ratio
💰 Affordability Calculator
How much home can you afford?
Your Finances
Results
$0
Max Home Price
$0
Max Loan Amount
$0
Monthly Payment
0%
DTI Ratio
$0
Down Payment
$0
Income Used
💡 Based on your income and debts, you can afford a home up to this amount.
📊 Mortgage Comparison
Compare up to 4 mortgage scenarios
Scenarios
Scenario 1
Scenario 2
Scenario 3
Scenario 4
Comparison Results
| Metric | Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 |
|---|---|---|---|---|
| Monthly Payment | — | — | — | — |
| Total Interest | — | — | — | — |
| Total Cost | — | — | — | — |
| LTV Ratio | — | — | — | — |
| Payoff Date | — | — | — | — |
💡 Best overall: —
🔄 Refinance Calculator
See if refinancing makes sense for you
Current Mortgage
New Mortgage
Refinance Analysis
$0
New Monthly Payment
$0
Current Payment
$0
Monthly Savings
$0
Lifetime Savings
—
Break-Even (months)
$0
Interest Saved
💡 Enter your numbers to see if refinancing is worthwhile.
📋 Amortization Schedule
Full payment breakdown over the life of the loan
Schedule Options
Amortization Schedule (0 payments)
| # | Date | Beginning Balance | Payment | Principal | Interest | Taxes | Insurance | PMI | HOA | Extra | Ending Balance |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Generate a schedule to see payments | |||||||||||
➕ Extra Payments Calculator
See how extra payments accelerate your payoff
Loan Details
Extra Payments
Results
—
Standard Payoff
—
With Extra Payments
—
Time Saved
$0
Interest Saved
$0
Total Savings
$0
Final Payment
💡 Extra payments can save you thousands in interest and years of payments.
📅 Biweekly Payment Calculator
Compare biweekly vs monthly payments
Loan Details
Comparison
$0
Monthly Payment
$0
Biweekly Payment
$0
Monthly Total Interest
$0
Biweekly Total Interest
$0
Interest Saved
0 months
Time Saved
📊 Interest-Only Calculator
Calculate interest-only mortgage payments
Loan Details
Results
$0
Interest-Only Payment
$0
Full Payment (after IO)
$0
Total Interest
$0
Total Cost
—
Payoff Date
$0
Balloon Payment
📈 ARM Calculator
Adjustable Rate Mortgage analysis
ARM Details
ARM Results
$0
Initial Payment
$0
Worst-Case Payment
$0
Total Interest
0%
Effective Rate
—
Payoff Date
—
Rate Adjustments
🔄 Reverse Mortgage Calculator
Estimate reverse mortgage proceeds
Property & Borrower
Estimated Proceeds
$0
Available Proceeds
$0
Upfront Cash
$0
Monthly Payment
$0
Line of Credit
$0
Estimated Fees
$0
Remaining Equity
🏡 Buy vs Rent Calculator
Compare buying a home vs renting
Buying
Renting
Comparison Results
—
Better Option
$0
Buying Total Cost
$0
Renting Total Cost
$0
Net Savings (Buy vs Rent)
—
Breakeven (years)
$0
Home Equity (at end)
🏁 Mortgage Payoff Calculator
When will you be debt-free?
Loan Details
Payoff Results
—
Payoff Date
—
Months Remaining
$0
Total Interest (remaining)
$0
Total Payment (remaining)
$0
Interest Saved (with extra)
0 months
Time Saved
📄 Closing Costs Calculator
Estimate your closing costs
Loan & Property
Cost Breakdown
Closing Cost Summary
$0
Total Closing Costs
0%
% of Home Price
$0
Lender Fees
$0
Third-Party Fees
$0
Taxes & Govt Fees
$0
Cash Needed to Close
💡 Closing costs typically range from 2% to 5% of the home price.
🏛️ Property Tax Calculator
Estimate your property taxes
Property Details
Tax Summary
$0
Annual Property Tax
$0
Monthly Property Tax
$0
Assessed Value
0%
Effective Tax Rate
$0
30-Year Total
$0
After Exemptions
🛡️ PMI Insurance Calculator
Private Mortgage Insurance estimation
Loan Details
PMI Summary
$0
Annual PMI
$0
Monthly PMI
0%
PMI Rate
0%
LTV Ratio
$0
Total PMI (until 20% equity)
—
PMI Cancellation Date
🏠 Home Equity Calculator
Calculate your home equity
Property & Loan
Equity Summary
$0
Total Home Equity
0%
Equity Percentage
0%
LTV Ratio
$0
Appreciation Gain
$0
Available Equity (80% LTV)
$0
Max HELOC Amount
📊 LTV Calculator
Loan-to-Value ratio analysis
Loan & Property
LTV Results
0%
LTV Ratio
0%
Equity Percentage
—
Risk Level
—
PMI Required
$0
Max Loan (80% LTV)
$0
Extra Down to 80%
📊 DTI Calculator
Debt-to-Income ratio analysis
Income & Debts
DTI Results
0%
Front-End DTI
0%
Back-End DTI
—
Loan Eligibility
$0
Max Housing Payment
$0
Total Monthly Debt
$0
Remaining Income
📈 Reports & Charts
Visualize your mortgage data
Monthly Payment Breakdown
Loan Balance Over Time
Principal vs Interest
Cumulative Interest Paid
Equity Growth
Interest Rate Impact
Down Payment Impact
📚 Saved Calculations
Your saved mortgage scenarios
0 scenarios saved
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No saved calculations
Save scenarios from any calculator to see them here.
⚙️ Settings
Customize your experience
Currency & Country
Theme
Default Values
Data Management
About
Mortgage Calculator Plus v2.0.0
Complete mortgage toolkit with 20+ calculators, charts, amortization schedules, and country-specific support.
Data stored locally in your browser. No data is sent anywhere.