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Mortgage Calculator — Estimate Monthly Payments (USA)

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      Mortgage Calculator

      Estimate a US home loan: monthly principal & interest payment, total interest and the full cost of the loan. Taxes, insurance and HOA fees aren’t included.

      —Monthly payment
      —Loan amount
      —Total interest
      —Total cost (incl. down)

      Estimate your monthly mortgage payment in the USA free with SavyTools’ mortgage calculator, which works out principal and interest from the home price, down payment, interest rate, and loan term. If you want a monthly mortgage payment USA estimate for comparing homes, down payments, or 15-year versus 30-year loans, add property taxes and insurance for a fuller figure — this is a planning estimate, not a loan offer.

      As an example, a $350,000 home with a $70,000 down payment at 6.5% interest over 30 years works out to about $1,769.79 a month in principal and interest, with about $357,125 of total interest over the life of the loan. Everything runs in your browser, and nothing you enter is sent to a server or stored anywhere.

      Please note: this is an estimate for planning only, not a loan offer. A real lender’s quote will depend on your credit, the property, and current rates.

      How to Use

      1. Enter the home price and the down payment you plan to make.
      2. Enter the interest rate and choose the loan term, such as 30 years or 15 years.
      3. Add estimated property taxes and homeowners insurance if you know them, for a fuller monthly figure.
      4. Read the monthly payment and the breakdown, then change any figure to compare scenarios.

      Frequently Asked Questions

      What is PMI?

      PMI stands for private mortgage insurance. Lenders usually require it when the down payment is under 20% of the home’s price. It is added to your monthly payment and generally drops off once you have built up enough equity in the home.

      How does the down payment change the monthly cost?

      A larger down payment means a smaller loan, which means a lower monthly payment and less total interest. It can also remove the need for PMI if it reaches 20% of the price.

      Should I choose a 15-year or 30-year loan?

      A 15-year loan has a higher monthly payment but far less total interest, while a 30-year loan has a lower monthly payment but costs much more in interest over time. Compare both in the calculator to see which fits your budget.

      Also try our Percentage Calculator tool for quick deposit and discount maths around a purchase.