Calcula la cuota mensual P&I, interés total y amortización con tasa actual.
We calculate the principal by subtracting your down payment from the home price.
Using the loan amount, interest rate, and term, we calculate your fixed monthly payment.
Each payment is split between principal and interest, with early payments going more toward interest.
Para un préstamo a 30 años con tasa 6.5%:
| Monto | Cuota P&I | Interés total |
|---|---|---|
| $100K | $632 | $127,544 |
| $240K | $1,517 | $306,107 |
| $400K | $2,528 | $510,272 |
Tasa promedio nacional 6.5-7.0% (Freddie Mac PMMS, 2026). P&I no incluye impuestos/seguro.
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
No server roundtrip. All math runs in your browser so results appear the moment you finish typing.
We never collect, store, or transmit your inputs. Every calculation runs locally in your browser.
Each calculator includes the formula, plain-English explanation, and FAQs so you understand the result.
Estimates only. Calculator results are for educational and planning purposes — not professional advice. For binding decisions on taxes, investments, health, or legal matters, consult a qualified professional.
FAQ
Everything you need to know about this calculator. Can't find what you're looking for? Email our team.
A mortgage payment calculator is a free tool that estimates the monthly principal and interest payment for a home loan. Our mortgage payment calculator supports fixed-rate and adjustable-rate mortgages, FHA, VA, and conventional loans, and adds taxes, insurance, and PMI to show the full PITI payment. The mortgage payment calculator also shows amortization and total interest over the loan term.
How it works
Our mortgage payment calculator lets you estimate your monthly mortgage payment including principal, interest, taxes, insurance, and PMI in five steps.
Type the purchase price or appraised value of the home. This is the starting point for the loan calculation.
Type the dollar amount you are paying up front. A 20% down payment avoids private mortgage insurance (PMI) on most loans.
Type the annual mortgage rate as a percentage. The calculator uses this to compute the monthly interest charge on the remaining balance.
Type the loan length in years, typically 15 or 30. Shorter terms have higher payments but much less total interest.
The calculator shows principal and interest, plus optional fields for property tax, home insurance, and HOA fees when you provide them.
Find the breakeven point and monthly savings from refinancing.
Find out how much house you can afford based on income, debts, down payment, and interest rate.
Estimate monthly payments on a home equity line of credit.
Calculate the down payment needed for a home and how long it takes to save.
Calculate FHA mortgage payments including MIP insurance and the required 3.5% down payment.
Calculate VA home loan payments with 0% down, no PMI, and the VA funding fee.
Sponsored