Know your real monthly mortgage payment before you make an offer
Principal, interest, property tax, insurance, PMI and HOA in one number — plus total interest, an affordability check and 15 vs 30-year scenarios.
- ⚡ Instant download
- 🔒 Secure checkout by Stripe
- ↩️ 7-day guarantee
Sound familiar?
- Online calculators show principal and interest but forget taxes and insurance
- You are not sure how much house you can afford
- Comparing 15 and 30-year loans is confusing
The Mortgage Calculator fixes that in a few minutes, for $2.
What changes when you use it
The real monthly cost
P&I plus taxes, insurance, PMI and HOA — what actually leaves your account.
Affordability at a glance
Housing cost as % of your income against the 28% guideline.
Compare scenarios instantly
15 vs 30 years, rate ±0.5% and 20% down, side by side.
Watch your equity grow
Interest, principal, balance and equity % for every year.
What's inside the spreadsheet
- Home price, down payment, rate and term
- Property tax, insurance, HOA and PMI rate
- Loan amount, P&I, PMI and total monthly payment
- Total interest and down payment amount
- Housing cost vs income with 28% alert
- Five scenario comparison
- By year tab with balance and equity
- Charts
Ready in 3 simple steps
Buy securely
Pay $2 once through the secure checkout (Stripe).
Download instantly
Your file is ready right after payment and also arrives in your e-mail.
Fill in and use
Open it in Excel, type your data and let the formulas do the work.
Made for
Everything you get
- Mortgage Calculator (.xlsx file), 100% editable
- Instant download right after payment, plus the link in your e-mail
- Use it on as many of your own computers as you need
- No subscription and no monthly fees, ever
- Free e-mail support to help you get started
- 7-day money-back guarantee
Works with: Excel 2010 or newer on Windows or Mac · also opens in Google Sheets
Want every payment and extra-payment savings? See the Loan Amortization Schedule.Mortgage Calculator
$2
A $2 reality check before the biggest purchase of your life.
Download nowFrequently asked questions
Is the PMI rule exact?
It adds PMI when the down payment is under 20%. Real PMI rates vary; use the one from your lender.
Does it include closing costs?
No. Closing costs are paid upfront, not in the monthly payment.
Can I use it for refinancing?
Yes. Use your current balance as the loan with 0% down.
How do I receive the spreadsheet?
Right after payment you get the download link on screen and by e-mail. Lost it? Get new links anytime on the "My downloads" page.
Which software do I need?
Microsoft Excel 2010 or newer (including Microsoft 365) on Windows or Mac. It also opens in Google Sheets and LibreOffice, although some formatting may look slightly different.
Can I edit it and add my logo?
Yes. The file is not locked: you can rename labels, add rows and put your own logo in it.
What language is the file in?
English.
Is it a subscription?
No. You pay $2 once and the file is yours to use for as long as you want.
What if it is not what I need?
You have 7 days to try it. If it does not meet your needs, write to us and we will help you, exchange it for another template or refund your payment.
More about the Mortgage Calculator
Principal, interest, property tax, insurance, PMI and HOA in one number — plus total interest, an affordability check and 15 vs 30-year scenarios.
What's inside
- Home price, down payment, rate and term
- Property tax, insurance, HOA and PMI rate
- Loan amount, P&I, PMI and total monthly payment
- Total interest and down payment amount
- Housing cost vs income with 28% alert
- Five scenario comparison
- By year tab with balance and equity
- Charts
Works in Microsoft Excel 2010 or newer (Windows and Mac) and opens in Google Sheets. One-time payment, instant download.
Get organized today for just $2
Download the Mortgage Calculator now and start using it in minutes.
Download now for $2One-time payment · Instant download · 7-day guarantee
