Residential Mortgage Amortization Schedule Calculator

Calculate a residential mortgage payment and full amortization schedule locally in your browser. Compare home loan amount, interest rate, term, taxes, insurance, and extra principal payments without sending financial details anywhere.

Financial

Try it

Home priceUSD Down paymentUSD Interest rate (%)APR Loan term (years)Years Annual property taxYearly Annual homeowners insuranceYearly Monthly HOA duesMonthly Extra principal per monthOptional

Privacy note: calculations run locally in your browser. ToolMill does not store, transmit, or underwrite your mortgage inputs.

What this calculator includes

Monthly principal and interest payment using a fixed-rate mortgage formula.
Full amortization schedule with principal, interest, and remaining balance by month.
Estimated monthly housing payment including taxes, insurance, and HOA dues.
Optional extra principal payments to see payoff acceleration and interest savings.

Examples

Owner-occupied home loan

Inputs

Home price: $450,000
Down payment: $90,000
Rate: 6.5%
Term: 30 years
Taxes: $5,400/year
Insurance: $1,800/year

Output

Monthly principal & interest: about $2,275
Estimated monthly payment with taxes and insurance: about $2,875

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