Real Local Tools

Mortgage Calculator

Runs locally

Calculate monthly mortgage payments, total interest and a full amortization schedule — free, private, in-browser.

Monthly payment

Total interest

Total payment

Principal Interest

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Estimate your monthly mortgage payment from loan amount, interest rate and term, compare fixed-payment (annuity) and fixed-principal schedules, and see how much interest you will pay over the life of the loan. All calculations run locally in your browser.

Frequently asked questions

Annuity vs. fixed principal — what's the difference?

Annuity keeps the monthly payment constant (mostly interest early on); fixed principal pays equal principal each month, so payments start higher but shrink — and total interest is lower. You can compare both.

What's included in the results?

The monthly payment, total interest and total payment, plus a full month-by-month amortization schedule showing principal, interest and remaining balance.

Is my financial data uploaded?

No. All calculations run locally in your browser.