Mortgage Calculator
Estimate monthly mortgage payments including taxes, insurance and PMI
100% private. Your files and inputs never leave your device — everything runs locally in your browser.
How to Use Mortgage Calculator
Estimate monthly mortgage payments including taxes, insurance and PMI. No signup, no uploads, no watermarks.
- 1
Enter your numbers in the input fields.
- 2
Choose the calculation options or frequency.
- 3
The result updates instantly as you type.
- 4
Review the breakdown, chart, or schedule, and copy the answer.
Why choose Mortgage Calculator?
- No uploads — your files never leave your device.
- Free forever with no signup, no watermarks, and no limits.
- Works on any device with a modern browser — no installs.
- Fast, private, and built for getting the job done in seconds.
Frequently Asked Questions
What is PMI and when do I stop paying it?▾
PMI (private mortgage insurance) protects the lender when your down payment is under 20% of the home price. It is typically cancelled automatically once your equity reaches 20%, so this calculator charges it only when the loan-to-value ratio exceeds 80%.
Why is my total payment higher than the interest rate suggests?▾
The mortgage interest rate only covers the borrowed amount. Property tax, home insurance and PMI are added on top and are usually collected monthly with your payment, making the true monthly cost noticeably higher.
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