Mortgage & Payoff Calculator

Mortgage & Payoff Calculator is a US home loan calculator built to show your true monthly housing payment, full principal and interest breakdown, extra monthly payment savings, and complete amortization schedule—with instant PDF and CSV export.

Most basic loan calculators only show principal and interest, leaving out the real monthly costs of owning a home in the United States. Whether you are budgeting for a home purchase or planning an early mortgage payoff on your current loan, this app gives you a clear, accurate breakdown of your numbers in seconds.

FULL PITI, PMI & HOA MONTHLY PAYMENT CALCULATOR
See what your home actually costs every month by combining your core loan terms with local housing expenses:
• Core Loan Inputs: Enter home price, down payment, interest rate, and loan term.
• Property Tax & Homeowners Insurance: Add monthly property tax and homeowners insurance to calculate your complete PITI payment (Principal, Interest, Taxes, and Insurance).
• PMI & HOA Fees: Include Private Mortgage Insurance (PMI) and monthly Homeowners Association (HOA) dues for an accurate condo, townhouse, or single-family payment estimate.
• Principal & Interest Breakdown: See exactly how much of your monthly mortgage payment goes toward reducing loan principal versus paying interest.

VISUAL PAYMENT CHART, LIFETIME COST & TOTAL INTEREST
Understand the long-term impact of your interest rate and loan term before you commit:
• Interactive Payment Chart: Visualize how your monthly housing payment and loan costs are distributed.
• Total Interest & Lifetime Cost: View the total interest paid and the complete lifetime cost of your mortgage across the entire loan term.

EXTRA MONTHLY PAYMENTS & MORTGAGE PAYOFF SAVINGS
Discover how adding an extra monthly payment toward your principal can shorten your loan and reduce interest:
• Extra Monthly Payment Modeling: Enter an extra monthly payment amount to see how fast you can pay off your mortgage early.
• Payoff Savings Breakdown: Instantly calculate your total interest savings and see how much sooner your home loan is paid off.

MONTHLY & YEARLY AMORTIZATION SCHEDULES
Track your loan balance from your first payment to your final payoff date:
• Monthly Amortization Schedule: Inspect a month-by-month payment schedule showing principal paid, interest paid, and remaining balance.
• Yearly Amortization Schedule: Switch to an annual summary view to track year-over-year principal reduction and cumulative interest costs.

EXPORT AMORTIZATION SCHEDULES TO PDF OR CSV
Take your mortgage numbers with you, print them for meetings, or analyze them in your favorite spreadsheet:
• PDF Export: Save and share a clean, printable PDF mortgage report and amortization schedule.
• CSV Export: Export your amortization table as a CSV file to open directly in Excel, Google Sheets, or Numbers.

Disclaimer: All calculations are for informational and planning purposes only. Actual mortgage payments, property taxes, homeowners insurance, PMI, and HOA costs vary by lender and location.