Utility tool
Loan & Mortgage Calculator
Calculate your monthly payment, total interest and total repayment for a fixed-rate loan or mortgage.
Free｜No sign-up｜Files stay on your device
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Support us／Ko-fiAbout Loan & Mortgage Calculator
Before you borrow, know exactly what you'll pay each month. Enter the amount, interest rate and term to see your monthly payment, total interest and total repayment.
An optional interest-only period shows how it changes your payments and overall cost.
Great for
- ・Checking what home you can afford
- ・Comparing lender rates
- ・Car and personal loan estimates
How to use
- 01Fill in each field.
- 02Results are calculated instantly below.
Why use it
Private by design
Everything runs locally in your browser. Nothing passes through a server.
Instant
No software to download and no account to create.
Works everywhere
Desktop, phone, or tablet — any modern browser.
Free forever
No watermarks and no usage limits.
Frequently asked questions
What share of income should go to a mortgage?
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A common guideline is to keep your housing payment under about 28–30% of gross monthly income, but your debts, savings and expenses matter too.
How is the monthly payment calculated?
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This uses a standard fixed-rate amortizing loan: the monthly payment stays the same, with more interest at the start and more principal toward the end.
Does this include taxes and insurance?
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No. Property tax, insurance, PMI and fees vary by lender and location, so add them separately for your full monthly cost.
Is this tool free? Do I need an account?
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It's completely free. There's no sign-up, no login and no usage limit.
Are my files and data safe?
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Everything is processed inside your browser. Your files are never uploaded to our servers and disappear when you close the page.
Does it work on my phone?
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Yes. The page is fully responsive and works in current versions of Chrome, Safari and Edge on iPhone, Android and tablets.
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mortgage calculator/loan calculator/monthly payment calculator/loan amortization calculator