Mortgage Payment Calculator
The mortgage payment isn't the monthly cost. Property tax, insurance and service charges often add a third on top, and that's what catches buyers out. This shows the whole number alongside the total interest you'll pay over the life of the loan.
🛡️ Runs on your device — nothing is uploaded
More options
Results update as you type — nothing else to press.
How it works
- Type the price and your deposit.
- Set the interest rate and loan length.
- Read the full monthly cost, broken down.
Good to know
FormatsEstimate — lenders add their own fees
- Working out what you can actually afford
- Comparing a 15-year and a 30-year loan
- Seeing how much a rate change costs you
Questions
Why is my lender's quote different?
Lenders add mortgage insurance when the deposit is under about 20%, plus origination fees and escrow. This is the arithmetic, not a quote.
Does a shorter loan really save that much?
Yes — switch 30 years to 15 and watch the total interest figure. The monthly payment goes up, the lifetime cost drops hugely.
Is my information sent anywhere?
No. The whole calculation happens in your browser. We never see these numbers.
🔒 Processed entirely in your browser — nothing is uploaded, nothing is stored.