Home Loan / Mortgage Calculator
Enter your home price, down payment, interest rate and loan term to estimate your total monthly payment. Choose your currency once at the top — it applies to the whole calculator.
Home Loan / Mortgage Calculator
Estimate your monthly home loan or mortgage payment including principal, interest, property tax and insurance — for any country and currency.
Enter your home price, down payment percentage, interest rate and loan term to estimate your monthly principal and interest payment, plus an estimated total including property tax and home insurance.
Example
- With the default values shown above, this calculator returns: Loan Amount = 320,000.00; Monthly Principal & Interest = 2,158.55; Total Estimated Monthly Payment = 2,158.55 (before adding any property tax or insurance).
Frequently Asked Questions
Does this include mortgage insurance (PMI)?
No. If your down payment is below your lender's threshold (often 20%), most lenders require mortgage insurance, which is not included here.
Why are property tax and insurance inputs instead of calculated automatically?
Property tax and insurance costs vary widely by location and country — enter your local estimate (or leave as 0) for an accurate total.
Can I use this outside my home country?
Yes — pick your currency using the Home Price selector at the top, and the calculation works the same way anywhere. Enter property tax and insurance in that same currency.
Sources
- Standard fixed-rate amortization formula