United States calculator
Build a U.S. mortgage payoff and amortization estimate
Calculate U.S. mortgage principal-and-interest payment, total monthly housing estimate, payoff time, total interest and savings from recurring extra principal.
Payment • interest • extra principal
Calculator inputs
U.S. Mortgage Amortization Calculator results
How this U.S. Mortgage Amortization Calculator works
The calculator applies the standard fixed-rate amortization formula and then simulates the balance month by month. Property tax, insurance and HOA inputs are added to the monthly budget but do not reduce loan principal.
Important: This estimate excludes lender-specific escrow changes, mortgage insurance rules, adjustable rates, late fees and tax consequences. Use the final loan disclosure for binding figures.
What assumptions should I verify?
Verify every entered quantity, rate, unit, product specification and local requirement before relying on the estimate. U.S. conventions are primary where location matters.
Is information sent anywhere?
No. Calculations run locally in the browser and this calculator sends no entered information to a remote service.