最新の金利で月々の元利均等返済額、総利息、償還スケジュールを計算。
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.
30年固定・金利6.5%の場合：
| 借入額 | 月々の元利返済 | 総利息 |
|---|---|---|
| 10万ドル | 632ドル | 127,544ドル |
| 24万ドル | 1,517ドル | 306,107ドル |
| 40万ドル | 2,528ドル | 510,272ドル |
全米平均金利6.5〜7.0%（Freddie Mac PMMS、2026年）。月々の返済額は元利均等のみ — 固定資産税＋保険で総支払額は25〜35%増。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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FAQ
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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.
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