Is the mortgage calculator free to use?

Yes. It’s free and runs in your browser - no signup required.

What does the monthly payment include?

The total monthly payment includes principal & interest, plus optional monthly tax and insurance, and an estimated PMI amount when applicable.

If your down payment is under ~20%, many loans add PMI. This tool provides an estimate to help you plan; confirm PMI rules and rates with your lender.

Can I check affordability with my income and debts?

Yes. You can add monthly income and other debts to see an affordability signal using a debt-to-income style ratio.

Does this include closing costs or HOA?

No. Closing costs, points, HOA fees, and maintenance aren’t included. Add them separately when budgeting.

Does the tool store my numbers?

No. Calculations run in your browser and aren’t stored on our servers.

Mortgage Calculator

Calculate mortgage payments, interest rates, and amortization

Privacy-First • No Data Collection

Mortgage Calculator

Calculate mortgage payments, analyze affordability, and understand your home buying potential. Get detailed breakdowns including taxes, insurance, and PMI.

Mortgage Details

Introduce la información de compra de la vivienda y del préstamo

Precio de la vivienda ($)

Pago inicial ($)

Plazo del préstamo

Tipo de interés (%)

Impuesto sobre la propiedad anual ($)

Seguro del hogar anual ($)

Affordability Analysis (Optional)

Ingresos brutos mensuales ($)

Pagos mensuales de deudas ($)

Consejos y pautas de hipoteca

Consideraciones importantes para tu decisión hipotecaria

20% Down Payment

Putting down 20% avoids PMI and reduces monthly payments

28% Rule

Housing costs should not exceed 28% of gross monthly income

36% Total Debt

Total monthly debt payments should be under 36% of income

Emergency Fund

Keep 3-6 months of expenses saved after buying a home