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Know your numbers
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Instantly calculate your monthly payment, total interest, and full amortization schedule. No account needed, no strings attached.

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Today's Avg Rates Live
30-yr fixed
6.75% ↓ 0.03
20-yr fixed
6.42% ↓ 0.01
15-yr fixed
6.04% ↑ 0.02
5/1 ARM
6.21% — 0.00

National averages for illustration. Actual rates vary by lender and profile.

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⚡ Instant results
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Adjust the sliders and explore your options.

Try different prices, rates, and terms to see exactly how each choice affects your monthly payment and lifetime cost.

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Today's average rates
30-year fixed6.75%
20-year fixed6.42%
15-year fixed6.04%
5/1 ARM6.21%

* Rates shown are national averages for illustration. Actual rates vary by lender, credit score, and down payment.

Mortgage Calculator

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$80,000 20% down
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Principal Interest
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Balance over time
Total Paid
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Total Interest
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Interest %
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Payoff Date
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Year Payment Principal Interest P/I Split Cum. Interest Balance Equity
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Quick tips
  • A 20% down payment avoids private mortgage insurance (PMI).
  • Your debt-to-income ratio should ideally stay below 43%.
  • A 15-year loan saves substantial interest over a 30-year term.
  • Even one extra payment per year can cut years off your loan.
  • Shop at least 3–5 lenders — rates can vary by 0.5% or more.
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