Mortgage Payment Calculator
Estimate your monthly P&I, include escrow costs (taxes & insurance), and see how extra payments affect your payoff date.
Loan Details
Taxes, Insurance & Fees (Optional)
Advanced Settings (Currency & Frequency)
Total Payment (Monthly Equivalent)
$0.00
Principal & Interest
$0.00
Taxes, Ins, HOA
$0.00
Total Interest Cost
$0.00
Payoff
—
| # | Total Payment | Interest | Principal | Extra | Balance |
|---|
Displaying first 360 rows. Download CSV for full data.
How to use
Enter the loan amount, interest rate, and term. Optionally add extra principal and escrow-related costs (taxes, insurance, PMI, HOA). Results update automatically and can be recalculated via the Calculate button.
Methodology
The calculator computes the periodic principal-and-interest payment using the fixed-rate amortization model. It then simulates the amortization schedule period-by-period, applying any extra principal payment each period, until the balance reaches zero.
- “Monthly equivalent” is shown for easier comparison across payment frequencies.
- Escrow costs are converted to monthly values and added to the monthly equivalent payment.
- Payoff is shown as number of payments and an approximate time-to-payoff estimate.