DailyKitBoxMortgage Calculator
Any currency · No signup

Know your mortgage,
down to the last payment.

Monthly payment, full amortization schedule, extra-payment savings, affordability and refinance comparison — calculated instantly in your browser, in any currency.

Free, no signup PDF & CSV export Not financial advice
Monthly payment —
Principal & interest—
Taxes, ins. & fees—
Total interest paid—
Total cost of loan—
Payoff date—
Loan amount—
Amortization schedule
PeriodPaymentPrincipalInterestBalance

Estimates only, not financial advice. Enter the actual rate and fees quoted to you by your lender — interest rates change daily and vary by country, lender and borrower profile.

How to use

Six steps to a full picture

All math runs locally in your browser — nothing is uploaded.

01

Enter loan details

Home price, down payment, rate and term.

02

Add extra costs

Property tax, insurance, HOA and PMI if you want them included.

03

Add extra payments

See how monthly, yearly or one-time extra payments change things.

04

Calculate

Get your monthly payment and full breakdown instantly.

05

Review the schedule

Check the amortization table and interest-saved chart.

06

Export

Download a PDF summary or a full CSV schedule.

Built in

Everything a mortgage decision needs

Full amortization

Every payment, principal, interest and remaining balance.

Extra payment savings

See exactly how much interest and time you save.

Visual charts

Principal vs interest split and balance-over-time.

Any currency

Choose your currency and every figure formats to match.

Affordability check

Estimate what you can afford based on income and debts.

Refinance compare

Break-even period and lifetime interest side by side.

PDF & CSV export

A printable summary report or the full monthly schedule.

Private by design

Every calculation happens on-device, nothing is uploaded.

FAQ

Common questions

The standard formula spreads the loan amount across equal monthly payments using the interest rate and term, so each payment covers accrued interest first and reduces principal with the remainder.

It is the process of paying off a loan through scheduled payments, where the interest portion shrinks and the principal portion grows over time.

Extra payments reduce the outstanding balance faster, which lowers interest on future payments and can shorten the loan term significantly.

Private Mortgage Insurance is typically required when the down payment is below a lender's threshold, and it protects the lender rather than the borrower.

No. Rates change daily and vary by lender, so enter the rate quoted to you or a current rate from your bank or a trusted rate source.

No. This calculator provides estimates for informational purposes only and is not financial, legal or tax advice.

Yes, choose your currency from the selector in the top bar and every figure updates to match.

Yes, the Refinance tab compares your current loan to a new loan and estimates your break-even period.