Mortgage Calculator: Home Loan

Know your exact monthly mortgage payment before you sign.

Mortgage Calculator is a free tool for your first home loan or a refinance, using a fixed annual interest rate. Enter the property price, down payment, loan term, and annual interest rate to instantly calculate your monthly payment, total interest, and total loan cost. This mortgage calculator turns complicated numbers into a clear picture so you can decide with confidence.

📊 MORTGAGE CALCULATOR
• Monthly payment: calculate exactly what you'll pay each month
• Total interest: understand the real cost of your loan
• Total to repay: full picture of your financial commitment
• Loan term in years: plan 10, 20 or 30-year mortgages
• Fixed interest rate: built for fixed-rate mortgages, no surprise rate changes
• Currency selector: choose between USD, EUR, GBP and more for your loan

💰 EARLY PAYOFF & AMORTIZATION SIMULATOR
Thinking about an extra payment? See exactly how an early payoff affects your loan:
• Shorten your term: pay it off sooner and save on interest
• Lower your payment (recast): apply a lump sum and reduce your monthly cost
• Total savings: compare both options at a glance

WORKS FOR ANY FIXED-RATE MORTGAGE
Whether it's a conventional loan, an FHA loan, a VA loan, or any other offer from your lender, enter the exact price, down payment, term, and rate to see what it really costs. You don't need to be a finance expert to understand the numbers.

PRIVATE & OFFLINE
Everything is calculated on your device, so you can take it anywhere: no account, no sign-up, no internet connection required.

Available in 44 languages: the app automatically adapts to your device language and number format for your region.

Before you sign or make an extra payment, check the real numbers here in seconds.