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

住宅の購入とローンの情報を入力します

住宅価格 ($)

頭金 ($)

融資期間

金利 (%)

年間固定資産税 ($)

年間住宅保険 ($)

Affordability Analysis (Optional)

月間総収入 ($)

毎月の借金返済額 ($)

住宅ローンのヒントとガイドライン

住宅ローンを決定する際の重要な考慮事項

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