◨ FINANCE Updated July 25, 2026

Mortgage Calculator

Estimate monthly repayments on a home loan.

Property price
Deposit / down payment
Interest rate %
Term (years)
Annual property tax
Annual insurance
—Monthly payment
—Principal + interest
—Loan amount
—Total interest
—Total repaid
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How it works

The payment uses the standard amortisation formula: the loan amount times the monthly rate, divided by one minus (1 + monthly rate) to the power of minus the number of payments. Property tax and insurance are added on top as flat monthly amounts.

Related tools

◧Loan Calculator◪Compound Interest Calculator◫Savings Goal Calculator

Frequently asked questions

Does this include taxes and insurance?

Only if you enter them. The base figure is principal and interest; the escrow fields add tax and insurance to show a fuller monthly cost.

Why is early interest so high?

Interest is charged on the outstanding balance, which is largest at the start. Overpaying early cuts total interest sharply.

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