Mortgage math, shown honestly.

Every dollar in a mortgage is one of two kinds: principal, which builds your equity, or interest, which is the price of borrowing. Our calculators color-code the two everywhere, so you can see exactly where your money goes — payment by payment, year by year.

Open the payment calculator See all calculators ↓

Sample · $400,000 home · 20% down · 6.5% / 30yr

$2,022.62/mo

Year	Principal	Interest	Balance
1	$3,577	$20,695	$316,423
10	$6,410	$17,861	$271,284
20	$12,257	$12,014	$178,129
30	$23,438	$833	$0

Calculators

Mortgage Payment Calculator

Monthly payment, full amortization schedule, extra-payment savings, CSV export.

PMI Removal Calculator

Your 80% request-eligible date, 78% automatic termination date, and how much requesting early saves you.

Extra Payment & Payoff Calculator

See how much time and interest extra payments save, or solve for the extra payment needed to hit a target payoff date.

Coming soon Mortgage recast calculator

Coming soon FHA loan calculator (with MIP)

Coming soon VA loan calculator (with funding fee)

Coming soon Refinance break-even calculator

Coming soon 15 vs 30 year comparison

Coming soon Biweekly payment calculator

About this site

MortgageCalculatorsAndRates.com is an independent collection of free mortgage tools. The calculators run entirely in your browser — nothing you type is sent to a server, stored, or shared. No signup, no lead forms, no calls from lenders.