US Mortgage Calculator 2025
Calculate monthly payments, total interest and amortization schedule for 30yr fixed, 15yr fixed and 5/1 ARM mortgages.
Mortgage Parameters
Results — 30yr-fixed
Amortization Schedule
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $2,075.51 | $275.51 | $1,800.00 | $319.7K |
| 2 | $2,075.51 | $277.06 | $1,798.45 | $319.4K |
| 3 | $2,075.51 | $278.62 | $1,796.89 | $319.2K |
| 4 | $2,075.51 | $280.19 | $1,795.32 | $318.9K |
| 5 | $2,075.51 | $281.76 | $1,793.75 | $318.6K |
| 6 | $2,075.51 | $283.35 | $1,792.16 | $318.3K |
| 7 | $2,075.51 | $284.94 | $1,790.57 | $318.0K |
| 8 | $2,075.51 | $286.54 | $1,788.97 | $317.8K |
| 9 | $2,075.51 | $288.15 | $1,787.36 | $317.5K |
| 10 | $2,075.51 | $289.78 | $1,785.73 | $317.2K |
| 11 | $2,075.51 | $291.41 | $1,784.10 | $316.9K |
| 12 | $2,075.51 | $293.04 | $1,782.47 | $316.6K |
| 24 | $2,075.51 | $313.45 | $1,762.06 | $312.9K |
| 36 | $2,075.51 | $335.27 | $1,740.24 | $309.0K |
| 48 | $2,075.51 | $358.62 | $1,716.89 | $304.9K |
| 60 | $2,075.51 | $383.59 | $1,691.92 | $300.4K |
| 72 | $2,075.51 | $410.30 | $1,665.21 | $295.6K |
| 84 | $2,075.51 | $438.86 | $1,636.65 | $290.5K |
| 96 | $2,075.51 | $469.42 | $1,606.09 | $285.1K |
| 108 | $2,075.51 | $502.11 | $1,573.40 | $279.2K |
| 120 | $2,075.51 | $537.07 | $1,538.44 | $273.0K |
| 132 | $2,075.51 | $574.46 | $1,501.05 | $266.3K |
| 144 | $2,075.51 | $614.46 | $1,461.05 | $259.1K |
| 156 | $2,075.51 | $657.24 | $1,418.27 | $251.5K |
| 168 | $2,075.51 | $703.01 | $1,372.50 | $243.3K |
| 180 | $2,075.51 | $751.96 | $1,323.55 | $234.5K |
| 192 | $2,075.51 | $804.31 | $1,271.20 | $225.2K |
| 204 | $2,075.51 | $860.32 | $1,215.19 | $215.2K |
| 216 | $2,075.51 | $920.22 | $1,155.29 | $204.5K |
| 228 | $2,075.51 | $984.29 | $1,091.22 | $193.0K |
| 240 | $2,075.51 | $1,052.83 | $1,022.68 | $180.8K |
| 252 | $2,075.51 | $1,126.13 | $949.38 | $167.7K |
| 264 | $2,075.51 | $1,204.54 | $870.97 | $153.6K |
| 276 | $2,075.51 | $1,288.41 | $787.10 | $138.6K |
| 288 | $2,075.51 | $1,378.12 | $697.39 | $122.6K |
| 300 | $2,075.51 | $1,474.08 | $601.43 | $105.4K |
| 312 | $2,075.51 | $1,576.71 | $498.80 | $87.1K |
| 324 | $2,075.51 | $1,686.50 | $389.01 | $67.5K |
| 336 | $2,075.51 | $1,803.92 | $271.59 | $46.5K |
| 348 | $2,075.51 | $1,929.53 | $145.98 | $24.0K |
| 349 | $2,075.51 | $1,940.38 | $135.13 | $22.1K |
| 350 | $2,075.51 | $1,951.30 | $124.21 | $20.1K |
| 351 | $2,075.51 | $1,962.27 | $113.24 | $18.2K |
| 352 | $2,075.51 | $1,973.31 | $102.20 | $16.2K |
| 353 | $2,075.51 | $1,984.41 | $91.10 | $14.2K |
| 354 | $2,075.51 | $1,995.57 | $79.94 | $12.2K |
| 355 | $2,075.51 | $2,006.80 | $68.71 | $10.2K |
| 356 | $2,075.51 | $2,018.08 | $57.43 | $8.2K |
| 357 | $2,075.51 | $2,029.44 | $46.07 | $6.2K |
| 358 | $2,075.51 | $2,040.85 | $34.66 | $4.1K |
| 359 | $2,075.51 | $2,052.33 | $23.18 | $2.1K |
| 360 | $2,075.51 | $2,063.88 | $11.63 | $0 |
Come utilizzare US Mortgage Calculator 2025
Enter Home Price and Down Payment
Input the purchase price and down payment percentage. 20% down avoids PMI (Private Mortgage Insurance).
Select Mortgage Type
Choose 30yr fixed (lowest payment), 15yr fixed (less interest overall), or 5/1 ARM (lower initial rate, adjusts after 5 years).
Set Interest Rate
Enter the current annual interest rate. As of 2025, 30yr fixed rates are around 6.5-7%. Check Bankrate or Freddie Mac for current rates.
Analyze Amortization
Review the monthly payment breakdown: principal vs interest. Early payments are mostly interest — this shifts over time.
Suggerimenti
- Even one extra principal payment per year can shave years off a 30yr mortgage and save tens of thousands in interest.
- Compare total interest paid, not just monthly payment — a 15yr mortgage is almost always cheaper overall.
- If your ARM rate is set to adjust, calculate your payment at the adjusted rate to ensure you can still afford it.
Domande frequenti
What is the difference between 30yr fixed and 15yr fixed?
A 30yr fixed mortgage has lower monthly payments but you pay significantly more interest over the life of the loan. A 15yr fixed has higher payments but you build equity faster and pay much less total interest — typically saving $100K+ on a $400K loan.
What is an ARM mortgage?
An Adjustable Rate Mortgage (ARM) has a fixed rate for an initial period (e.g., 5/1 ARM = 5 years fixed, then adjusts annually). The initial rate is usually lower than a 30yr fixed. It's risky if rates rise significantly after the fixed period.
How much down payment do I need?
Conventional loans require as little as 3% down, but anything below 20% requires PMI (Private Mortgage Insurance), adding $50-200+/month. FHA loans require 3.5% down with lower credit score requirements. VA loans (veterans) can be 0% down.
What is not included in this calculator?
This calculator shows principal & interest (P&I) only. Your actual monthly payment (PITI) also includes Property Taxes, Homeowners Insurance, and possibly PMI and HOA fees — typically adding $400-1000+/month.
What is amortization?
Amortization is the process of paying off a loan through regular payments. Early in the loan, most of your payment goes to interest. As the balance decreases, more goes to principal. This is why extra principal payments early in a mortgage have an outsized impact.