Mortgage Calculator

Free mortgage calculator. Estimate monthly payment with principal, interest, property tax, home insurance, PMI, plus amortization schedule and extra-payment savings.

How to use the Mortgage Calculator

  1. Open the Mortgage Calculator — it loads instantly in your browser, with no sign-up or install.
  2. Enter your input by typing, pasting or uploading as the tool requires; results update automatically.
  3. Copy or download the result. Nothing you enter leaves your device.

Frequently asked questions

Is the Mortgage Calculator free?

Yes. The Mortgage Calculator on UtilitySuite is completely free, with no account, sign-up or payment required.

Do I need to create an account?

No. Every UtilitySuite tool and game works instantly with no login or registration.

Does my data stay private?

Yes. The Mortgage Calculator runs entirely in your browser — the text, numbers or files you enter are never uploaded to a server.

Does it include taxes and PMI?

Yes. It estimates principal, interest, property tax, insurance and PMI, with an amortization schedule.

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Loan Inputs
Home Price ($)
Down Payment ($)
Down Payment (%)
Loan Term (years)
Interest Rate (%)
Monthly Extras
Property Tax / Year ($)
Home Insurance / Year ($)
HOA / Month ($)
PMI Rate (%/yr) — auto if <20% down
Extra Payment / Month ($)
Monthly Payment
$0
Principal & Interest
$0
Total Monthly (PITI + PMI + HOA)
$0
Loan Amount
$0
Total Interest
$0
Total Paid (loan)
Payment Breakdown
Principal & Interest$0
Property Tax$0
Home Insurance$0
PMI$0
HOA$0
Total$0
Amortization (Yearly)
Yr Principal Interest Balance
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