Finance

Mortgage calculator

Calculate monthly repayments, total interest, and a full amortisation schedule for any mortgage.

Loan amount ($)

Annual interest rate (%)

Term (years)

$—Monthly payment

$—Total paid

$—Total interest

100% private. All processing happens locally in your browser — no files or data are ever sent to a server.

How to use Mortgage calculator

01 Fill in the required values using the fields provided
02 Results calculate automatically as you type
03 Copy or note the result — all calculations stay on your device

Frequently asked questions

Common questions about Mortgage calculator.

Is Mortgage calculator free to use?

Yes, Mortgage calculator is completely free. No account, subscription, or payment is ever required — just open the page and start using it.

Does Mortgage calculator upload my data to a server?

No. Mortgage calculator runs entirely in your web browser using client-side JavaScript. Your files, text, and data never leave your device, making it 100% private.

Can I use Mortgage calculator on my phone or tablet?

Yes. Mortgage calculator is fully responsive and works on all modern smartphones, tablets, and desktop browsers without installing any app.

Are these results accurate enough to rely on?

Mortgage calculator uses well-established formulas and provides accurate estimates for everyday use. For financial, medical, or legal decisions, always consult a qualified professional.

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About Mortgage calculator

A mortgage is a secured loan repaid through regular fixed payments covering both principal reduction and accruing interest. The Mortgage Calculator uses the standard annuity formula to compute your monthly repayment for any combination of loan amount, annual interest rate, and repayment term. It shows the total amount repaid over the loan's lifetime and the total interest paid — often a surprisingly large proportion of the original loan. Understanding these figures is critical when comparing mortgage products, evaluating how a larger deposit affects monthly payments, and deciding between shorter repayment terms (lower total interest, higher monthly payments) and longer terms (lower monthly payments, higher total cost).