Mortgage Calculator
Know Your Monthly Payment
Instantly calculate your mortgage payment including principal, interest, taxes, and insurance. Compare 15 vs 30 year terms, see amortization, and plan your home purchase with confidence.
What is the Mortgage Calculator?
A complete home loan analysis tool that calculates your monthly PITI (Principal, Interest, Taxes, Insurance) and generates a full amortization schedule. Enter home price, down payment, loan term, and interest rate — we show you exactly what you'll pay each month and over the life of the loan.
Understand how extra payments save interest, compare loan terms side-by-side, and see how much of your payment goes to principal vs interest each year. Perfect for first-time buyers, refinancing homeowners, and real estate investors.
Everything you need to plan your mortgage
From monthly payments to lifetime interest — complete clarity.
PITI Payment Breakdown
Principal, Interest, Taxes, Insurance — see exactly where your monthly payment goes.
Full Amortization Schedule
Year-by-year table showing principal paid, interest paid, and remaining balance.
15 vs 30 Year Comparison
See payment difference and total interest savings of shorter term loans.
Extra Payment Calculator
Add bi-weekly payments or extra monthly principal — see interest saved and years shaved off.
Down Payment Impact
Adjust down payment percentage from 3% to 20%+ and see PMI and payment changes.
Property Tax & Insurance
Include annual taxes and homeowners insurance for true monthly housing cost.
How the Mortgage Calculator works
Four inputs → complete mortgage analysis.
Home Price & Down Payment
Enter purchase price and down payment %
Loan Term & Interest Rate
Choose 15, 20, or 30 years + current rate
Taxes & Insurance
Add annual property tax and home insurance
Get Full Analysis
Monthly payment + amortization schedule
The power of understanding your loan
Knowledge saves thousands in interest and helps you buy the right home.
Payment includes taxes and insurance — not just principal and interest. No surprises at closing.
Different rates and points? See which lender saves you the most over time.
See that early payments go mostly to interest — and how extra payments flip the script.
Once you reach 20% equity, PMI drops. Our calculator shows when that happens.
Compare current mortgage vs refinance offer to see break-even timeline.
Mortgage planning for every home buyer
From first-time buyers to seasoned investors — actionable insights.
First-Time Home Buyers
- Estimate monthly payment before shopping
- See impact of down payment size
- Understand PMI and how to avoid it
- Compare 15 vs 30 year affordability
- Plan for property taxes & insurance
Homeowners Considering Refinance
- Compare current vs new payment
- Calculate break-even point on closing costs
- See lifetime interest savings
- Test rate drop scenarios
- Evaluate cash-out refinance options
Real Estate Investors
- Analyze cash flow on rental properties
- Compare interest-only vs amortizing
- Project equity growth timeline
- Evaluate portfolio leverage
- Stress-test rate increases
Financial Advisors & Agents
- Provide clients with accurate payment estimates
- Show affordability ranges quickly
- Demonstrate rate vs price trade-offs
- Build trust with transparent tools
- Close deals with confident buyers
Built on standard mortgage math
Same formulas used by banks and lenders — completely free, no signup.
Standard mortgage formula
Uses M = P [ i(1+i)^n ] / [ (1+i)^n – 1 ] — industry standard for payment calculation.
Full amortization logic
Year-by-year breakdown of principal, interest, and remaining balance for entire term.
No data storage
All calculations stay in your browser. We never see or store your financial information.
SEOScaleUp vs. bank calculators & paid tools
Free, accurate, and private — no subscription required.
| Feature | SEOScaleUp ✓ | Bank Basic Calculator | Paid Real Estate Tool |
|---|---|---|---|
| PITI (Taxes + Insurance)包 | ✓包 | ~ | ✓ |
| Full amortization schedule | ✓ | ✗ | ✓ |
| 15 vs 30 year comparison | ✓ | ~ | ✓ |
| Extra payment calculator | ✓ | ✗ | ✓ |
| PMI calculation | ✓ | ✗ | ✓ |
| Year-by-year principal/interest | ✓ | ✗ | ~ |
| Export amortization table | ✓ | ✗ | ✓ |
| No signup required | ✓ | ✓ | ✗ |
| Monthly price | $0 | $0 | $10-30 |
Mortgage questions answered
Everything about payments, amortization, and home financing.
Know your true mortgage payment today
Join 2.5 million+ home buyers and owners who use SEOScaleUp to calculate their mortgage. No signup, no fees, complete privacy.