Mortgage Calculator
Monthly payment, amortization & total cost
Mortgage Calculator is a free, browser-based tool that lets you monthly payment, amortization & total cost — with zero signup, zero installation. Your data never leaves your browser. Part of 81+ free developer and business tools at wowhow.cloud, built and maintained by a team with 14+ years of hands-on development experience.
= $80,000
= $400/mo
$125/mo
optional
Monthly Payment
30-year fixed · 6.8% APR · $320,000 loan
Monthly Breakdown
Loan Summary
Loan Amount
$320,000
Total Interest
$431,018
Total Cost
$831,018
Amortization Schedule
360 total payments| Month | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $273 | $1,813 | $319,727 |
| 2 | $274 | $1,812 | $319,453 |
| 3 | $276 | $1,810 | $319,177 |
| 4 | $277 | $1,809 | $318,899 |
| 5 | $279 | $1,807 | $318,620 |
| 6 | $281 | $1,806 | $318,340 |
| 7 | $282 | $1,804 | $318,057 |
| 8 | $284 | $1,802 | $317,774 |
| 9 | $285 | $1,801 | $317,488 |
| 10 | $287 | $1,799 | $317,201 |
| 11 | $289 | $1,797 | $316,912 |
| 12 | $290 | $1,796 | $316,622 |
Estimates only. Actual payments may vary based on lender fees, PMI (required when down payment < 20%), escrow adjustments, and rate changes. Consult a mortgage professional for personalized advice.
How to Use
Enter the home price and adjust the down payment (% or $)
Choose your loan term — 15-year or 30-year fixed
Enter the current mortgage interest rate
Add property tax rate, home insurance, and optional HOA fees
View your monthly payment breakdown and full amortization schedule instantly
Frequently Asked Questions
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