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Free mortgage calculator template with home price, down payment and rate inputs, 10 to 30 year terms, a payment breakdown, payoff date and 6 guides.
What’s included in this mortgage calculator
- Who it’s for
- Lenders, mortgage brokers, agents and personal finance bloggers who want a payment calculator visitors can use without leaving the site. Hearthline, an ad-free calculator with buyer guides, is the demo.
- Pages and sections
- Calculator home
- What's in Your Payment
- How Your Payment Is Calculated
- Affordability Guidelines with the 28/36 rule
- How It Works with worked scenarios
- Guides (6 articles)
- About
- Features
- Estimate a payment on a $400K home with 20% down at 6.50%
- Try terms from 10 to 30 years and see total interest and payoff date
- Enter the down payment in dollars or percent
- Read guides on PMI and 15 vs. 30-year loans
- What to change first
- Put your name and colors on it, and set tax and insurance defaults for your market. A contact or rate-quote link in the closing section turns visitors into leads.Try asking“Add a full amortization schedule table I can download as CSV”
Mortgage calculator FAQs
You need inputs for price, down payment, rate and term, a formula for the monthly payment, and results that update as people type. Describe the inputs and results you want in the prompt and B12 can build a full site around it, like Hearthline.
The four basics, plus whatever helps people plan. Hearthline adds a dollar or percent down payment toggle, term buttons, an extra payments slider and fields for taxes, insurance and HOA, then shows the monthly payment, a breakdown chart, total interest and a payoff date.
With the standard amortization formula, using the loan amount, monthly interest rate and number of payments. On Hearthline's defaults, a $320,000 loan at 6.5% over 30 years is about $2,023 a month in principal and interest. Treat it as an estimate, since a lender's quote may differ.
Usually principal, interest, property taxes and homeowners insurance, with HOA fees and PMI in some cases. Hearthline's What's in Your Payment section walks through each one.
You add an amount to each monthly payment and the calculator puts it toward principal, which can shorten the loan and cut total interest. Hearthline does this with a monthly slider. Check your loan for prepayment rules.
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