Does this include taxes and insurance?

No. The monthly payment shown covers principal and interest only. Property taxes, homeowners insurance, PMI, and HOA fees are not included.

Can I calculate a mortgage or car loan?

Yes. Enter any fixed-rate loan amount, APR, and term. The same formula applies to mortgages, auto loans, and personal loans.

At 0% interest, the monthly payment is simply the loan amount divided by the number of months — no interest is added.

Calculate monthly payments, total interest, and total cost for fixed-rate loans.

Loan amount ($)

Annual interest rate (%)

Loan term

Term unit

Monthly payment

$1,580.17

Total interest

$318,861.22

Total paid

$568,861.22

Assumes a fixed-rate loan with equal monthly payments. Does not include taxes, insurance, or fees.

1
Enter the loan amount
Type the principal — the total amount you borrow before interest, such as a home price minus down payment or auto loan balance.
2
Set the annual interest rate
Enter the yearly interest rate as a percentage. Use the APR quoted by your lender for fixed-rate loans.
3
Choose the loan term
Enter how long you will repay the loan in years or months. Common mortgages are 15 or 30 years.
4
Review payment and total cost
See your estimated monthly payment, total amount paid over the life of the loan, and total interest charged.

This calculator uses the standard amortization formula for fixed-rate loans. It spreads principal and interest evenly across equal monthly payments.

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