The 30-year fixed is the most popular mortgage because it has the lowest monthly payment. This calculator defaults to a 30-year term; check the Amortization tab to see how much of your early payments go to interest.
How this calculator works
Enter your numbers and the monthly payment recalculates instantly — no submit button, no page reload. The payment breakdown separates principal, interest, taxes, insurance, PMI and HOA. Use the tabs to view a full amortization schedule, compare scenarios side by side, or work backward from a monthly budget. Your inputs are encoded in the page link so you can bookmark or share a scenario without any account.