Mortgage math, shown honestly.

Every dollar in a mortgage is one of two kinds: principal, which builds your equity, or interest, which is the price of borrowing. Our calculators color-code the two everywhere, so you can see exactly where your money goes — payment by payment, year by year.

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Sample · $400,000 home · 20% down · 6.5% / 30yr

$2,022.62/mo

Year	Principal	Interest	Balance
1	$3,577	$20,695	$316,423
10	$6,410	$17,861	$271,284
20	$12,257	$12,014	$178,129
30	$23,438	$833	$0

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Mortgage Payment Calculator

Monthly payment, full amortization schedule, extra-payment savings, CSV export.

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Coming soon FHA loan calculator (with MIP)

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MortgageCalculatorsAndRates.com is an independent collection of free mortgage tools. The calculators run entirely in your browser — nothing you type is sent to a server, stored, or shared. No signup, no lead forms, no calls from lenders.