Mortgage & Loan Calculator
Calculate your monthly mortgage payment, including property tax, insurance, PMI, and HOA dues, plus a full year-by-year amortization schedule. Runs entirely in your browser — nothing you enter is ever uploaded.
Taxes, insurance & fees
Amortization schedule
| Year | Principal paid | Interest paid | Remaining balance |
|---|
What can you calculate?
MortgageMate calculates your monthly mortgage or loan payment from the home price, down payment, loan term, and interest rate, then optionally layers in property tax, home insurance, PMI, and HOA dues for a full picture of your monthly cost. It also builds a year-by-year amortization schedule showing how much of each payment goes to principal versus interest.
How it works
Every calculation runs directly in your browser using the standard mortgage amortization formula — nothing is sent to a server, so it works even offline once the page has loaded. Figures are estimates for planning purposes; your lender's actual quote may vary.
Frequently asked questions
Is this free to use?
Yes. There's no sign-up and no limit on how many calculations you run.
Do you store what I enter?
No. Every calculation happens entirely client-side in your browser. See the privacy policy for details.
How is the monthly payment calculated?
Using the standard amortization formula: M = P × [r(1+r)n] / [(1+r)n − 1], where P is the loan amount, r is the monthly interest rate, and n is the number of monthly payments.
Does this include property tax and insurance?
Yes, optionally. Open "Taxes, insurance & fees" to add estimated property tax, home insurance, HOA dues, and PMI — the total monthly payment figure updates to include them alongside principal and interest.
What is PMI and when does it apply?
Private Mortgage Insurance is typically required by lenders when your down payment is below 20% of the home price. The PMI field appears automatically once your down payment drops under that threshold.