CalcVantage Financial Tools

Mortgage Calculator

Calculate your estimated monthly mortgage payment, principal and interest breakdown, and payoff timelines for properties in the US, Canada, and Australia.

Mortgage Parameters

Configure loan, country tax, and extra payment details.

🇺🇸 US Rules

Target Country / Region

Select country rules for currency, compounding, and local taxes.

Display Currency

Calculations always use the country's native rules; results are displayed in this currency.

Home Price*

Property purchase price

Down Payment ($)

Amount paid upfront

Down Payment (%)

Percentage of price

Interest Rate*

Annual interest rate

Loan Term

Duration of the mortgage

Payment Frequency

Scheduled repayment interval

Start Date

First payment date

Country-Specific Taxes & Costs

Property Tax (Annual %)

Estimated property tax rate

Home Insurance (Annual $)

Annual homeowners insurance

HOA / Condo Fees (Monthly $)

Monthly homeowners association dues (US)

Extra Payment Simulator

Extra Monthly ($)

Added to every payment

One-Time Extra ($)

Lump sum payment

Yearly Extra ($)

Paid once per year

Calculation Summary

Standard monthly compounding (US)

Live

Total Monthly PaymentFull PITI

$2,838

Principal, Interest, Taxes & Fees

Monthly Payment BreakdownMonthly

Principal & Interest

$2,178

Property Tax

$385

Home Insurance

$125

HOA Fees

$150

Total Monthly Payment$2,838

One-Time Upfront CostsOne-Time Fee

These are paid upfront at closing and NOT added to monthly payments.

CMHC Insurance Premium$0

State Stamp Duty$0

No mandatory one-time fees for US standard down payment.

Total Principal

$336,000

Original loan amount

Total Interest Paid

$444,120

Over loan term

Total Loan Cost

$780,120

Principal + Interest

Payoff Date

Aug 2056

Based on start date

Loan Balance & Interest Trajectory

Remaining balance decline over loan term

Remaining Balance

Cumulative Interest

Amortization Schedule

Payment-by-payment breakdown over loan term

Payment #	Date	Payment (USD)	Principal (USD)	Interest (USD)	Extra (USD)	Remaining Balance (USD)
Generating schedule...