Estimate the monthly payment on a fixed-rate mortgage. Enter the home price, your down payment, the annual interest rate and the loan term to see the monthly payment, total interest and a yearly repayment summary — all in your browser. These results are estimates for general information only and are not financial, investment or tax advice. Actual figures depend on the terms of your lender or provider and your local tax rules.
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How to Use the Mortgage Calculator
Type the price of the home you want to buy, the down payment you can make, the annual interest rate your lender quoted and the number of years you will repay over. Press Calculate and the tool returns the estimated monthly payment plus the total you will pay over the life of the loan.
What the numbers mean
Loan amount is the home price minus your down payment — the part you actually borrow.
Estimated monthly payment covers principal and interest only; taxes, insurance and fees are not included.
Total interest is what borrowing costs you across the whole term.
The yearly repayment summary shows how the balance falls and how interest gives way to principal over time.
Tips
A larger down payment or a shorter term lowers total interest but raises the monthly payment. Compare a 15-year and a 30-year term to see the trade-off before you talk to a lender.
Features
Monthly payment, total interest and total paid at a glance
Yearly amortisation summary with principal, interest and remaining balance
Down payment and loan amount handled separately
Choose your currency and copy the result to your notes
All processing runs locally in your browser. Your data is not uploaded to any server.
These results are estimates for general information only and are not financial, investment or tax advice. Actual figures depend on the terms of your lender or provider and your local tax rules.