Mortgage Calculator
Estimate monthly mortgage payments, total repayment, total interest and the effect of optional extra monthly payments.
Mortgage calculator
Estimate monthly mortgage payments, total repayment and total interest.
Monthly payment
Total repayment
Total interest
Estimated payoff
How the mortgage estimate works
The calculator uses the standard amortizing loan formula to estimate a fixed monthly principal-and-interest payment.
The estimate does not include property taxes, home insurance, mortgage insurance, association fees, closing costs or lender-specific charges.
If you add an extra monthly payment, the calculator estimates how much sooner the loan could be repaid and how that affects total interest.
Important
This calculator provides a general estimate only. Actual mortgage payments and lending terms depend on your lender, loan structure, fees, taxes, insurance and other conditions.
How to use it
Enter the loan amount, annual interest rate and loan term to estimate the monthly principal-and-interest payment. Optionally add an extra monthly payment to estimate a faster payoff and lower total interest.
Privacy
Calculations are performed locally in your browser. The values you enter are not submitted to Muft.
Tool behavior last checked Aug 23, 2026.