Work out your monthly mortgage payment — principal and interest, property taxes, homeowners insurance, PMI and HOA dues — and see how extra payments shorten your loan. Every result recalculates instantly as you type.
Monthly payment
Principal & interest
Taxes & insurance
PMI & HOA
Total interest
Payoff date
Extra-payment savings
Mortgage Payment Calculator
Enter your loan details, then add taxes, insurance and any extra payments to see the full picture. This is a mortgage calculator with taxes and insurance, PMI and HOA built in — not just principal and interest.
Changes the currency symbol used throughout every calculator on this page. All figures still use the values you enter — this does not convert between currencies.
Basic Loan
$
$
%
%
yrs
Enter any term from 1 to 1,000,000 years.
Down payment can't be greater than the home price.
Monthly Costs
$
$
$
%
Down payment is 20% or more — PMI is not applied.
Extra Payments
$
$
$
1 = first payment. This is a mortgage calculator with extra payments built in, so results below update automatically.
Total monthly payment
$0/mo
Loan amount
$0
Down payment
$0
Total interest
$0
Total paid
$0
Estimated payoff date
—
Loan term is very long, so the schedule and total-interest figures are calculated across the first 500 years only.
Monthly payment breakdown
Remaining balance over time
Disclaimer: Mortgage calculations shown here are estimates only. Actual costs can vary based on lender requirements, your credit profile, prevailing interest rates, property taxes, insurance, PMI, HOA fees, closing costs and other factors. This tool does not provide financial or lending advice, and Ledger Mortgage Calculator is not a mortgage lender. Speak with a licensed loan officer for a formal quote.
Ledger Mortgage Calculator is a free, one-page tool for estimating mortgage payments, affordability, extra-payment savings, refinance break-even and amortization schedules. Everything runs in your browser — no account, no data sent to a server, no mortgage application.
This is a demonstration calculator. For questions about the tool itself, reach out through the platform where you found this page. For anything about your own mortgage or a loan application, contact a licensed lender or loan officer directly.
This calculator does not collect, store or transmit the numbers you enter. All calculations run locally in your browser. If you use the Share Calculation button, your inputs are encoded into the page URL only — nothing is sent to a server.
No cookies, analytics identifiers or personal data are required to use this tool.
This calculator is provided for informational and educational purposes only. Use of this tool is at your own discretion. Results are estimates and should not be relied on as the sole basis for a financial decision.
Mortgage calculations shown here are estimates only. Actual costs can vary based on lender requirements, your credit profile, prevailing interest rates, property taxes, insurance, PMI, HOA fees, closing costs and other factors. This tool does not provide financial or lending advice, and Ledger Mortgage Calculator is not a mortgage lender. Speak with a licensed loan officer for a formal quote.