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Mortgage Calculator

Calculate monthly mortgage payment from loan amount, interest rate, and term.

Tool

Use this mortgage calculator to estimate monthly mortgage payments from a loan amount, annual interest rate, and loan term in years. It is useful for home financing and payment planning.

About this tool

Use this mortgage calculator to estimate monthly mortgage payments from a loan amount, annual interest rate, and loan term in years. It is useful for home financing and payment planning.

Use mortgage calculator when you need a fast browser-based result without extra setup. It works well for quick checks, one-off tasks, and routine formatting or calculation work.

Learn more

Why use this tool

How to use

  1. Enter loan amount on the first line.
  2. Enter annual interest rate on the second line.
  3. Enter loan term in years on the third line.
  4. Run the tool to calculate the mortgage payment.

Examples

Example

Input

300000
5
30

Output

Loan amount: 300000.00
Annual rate: 5.00%
Term: 30.00 years
Monthly payment: 1610.46
Total payment: 579767.35
Total interest: 279767.35

Calculates standard amortized monthly payments.

Example

Input

200000
4.5
15

Output

Loan amount: 200000.00
Annual rate: 4.50%
Term: 15.00 years
Monthly payment: 1529.99
Total payment: 275397.95
Total interest: 75397.95

Useful for comparing term lengths.

Common errors

Entering term in months instead of years.

Fix: This version expects the loan term in years.

Using zero or negative loan amount.

Fix: Loan amount must be greater than zero.

Expecting taxes and insurance to be included.

Fix: This version calculates principal and interest only.

FAQ

What does Mortgage Calculator do?

It calculates monthly mortgage payment, total payment, and total interest from loan amount, rate, and term.

Does it include taxes and insurance?

No. It calculates principal and interest only.

How do I enter the loan term?

Enter the term in years, such as 30.

Can I use decimal interest rates?

Yes. Rates like 4.5 are supported.

How is it different from EMI Calculator?

They use a similar payment formula, but Mortgage Calculator is framed for home loans and term in years.

Use cases

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