Mortgage Calculator
Estimate monthly principal and interest payment with amortized fixed-rate mortgage math.
Configure your scenario
Enter home price, down payment, rate, and term for a monthly payment estimate.
$360,000
$2,335
$480,583
Detailed estimate
Category view
Browse US departments
Step back from one calculator and browse the full federal, payroll, property, and state map.
Homepage cluster
US tax home
Return to the main US hub for guided paths across paycheck, self-employed, and homeownership tools.
Cross-market switch
Pakistan calculators
Need FBR, withholding, or Pakistan filing tools? Jump to the Pakistan-side calculator system.
Mortgage - quick answers
Does this include taxes and insurance?+
No, this page is principal + interest only. Use the mortgage + property tax page for fuller monthly payment.
Is APR divided by 12 here?+
Yes. Monthly payment is derived using the standard fixed-rate amortization formula with monthly rate.
Official references
Sources & Act Reference
Mortgage formula references
Amortization payment formula
Monthly fixed-rate payment uses principal, monthly rate, and total month count.
Loan amount definition
Loan amount equals home price minus down payment.
Rule Trace
Applied rule and official references
Applied rule: M = P * r * (1+r)^n / ((1+r)^n - 1)
Official quick links
Compliance checklist
Confirm your lender APR, exact term, PMI, escrow, and fees before final decision.
Smart Insight
Estimated principal + interest monthly payment is $2,335.
Keep your US tax path moving
Property tax calculator
Use this as the anchor for home-cost comparisons and local tax checks.
Mortgage + property tax
Layer financing and tax together before comparing purchase options.
Rent vs buy
Turn the property result into a real housing decision path.