Free interactive tool

Mortgage calculator

See your real monthly payment with taxes, insurance, and PMI built in. Then run the math on extra payments to see how fast you could pay your loan off.

Your situation
Slide each bar or type your own number. Results update live.
Home price
$100K$2M
Down payment
0%50%
Down payment: $45,000 · Loan amount: $405,000
Loan term 30 years
Interest rate
2%12%
Today\'s 30-year fixed average is 6.30% per Freddie Mac PMMS.
Loan type Conventional
Property taxes
0%3%
Las Vegas average is 0.55%. New builds typically run 1%. Texas runs 2.0–2.5%. Switch to $/yr if you know the actual amount.
Home insurance / year
$0$10K
HOA / month
$0$1K
Mortgage insurance / month $0
Auto-calculated based on loan type and down payment. PMI typically drops off conventional loans at 78% LTV.
Total monthly payment
$2,800/month
Principal & interest
$2,500
Property taxes
$200
Home insurance
$150
Mortgage insurance
$0
HOA
$0
Loan amount
$405,000
Total interest
$495,000
Over the life of the loan
Loan paid off
May 2056
30 years from now

What if you paid extra?

Adding even one extra payment a year can shave years off your loan and save tens of thousands in interest. Here is what each scenario looks like for your numbers.

Standard
No extra payments
$495,000
Total interest paid
Monthly payment
$2,500
Loan paid off
May 2056
Loan length
30 years
1 extra payment / year
Pay one extra month each year
$98,000
Saved in interest
Monthly payment
$2,716
Loan paid off
Sep 2050
Time saved
5 yrs 8 mos
2 extra payments / year
Pay two extra months each year
$160,000
Saved in interest
Monthly payment
$2,924
Loan paid off
Jan 2047
Time saved
9 yrs 4 mos

Custom extra payment

Want to test a different amount? Slide the bar to add any monthly extra principal payment and see the impact.

Extra principal each month
$0$2K
Interest saved
$0
Pays off
May 2056
Time saved
0 months
Year Principal paid Interest paid Remaining balance

Want this with your real numbers?

No pressure, no cost. We will pull your real rate options across FHA, VA, USDA, and conventional and run an actual loan estimate side by side.

Call: 702-550-9061 Request a quote →