Mortgage Calculator
Equal-installment and equal-principal amortization with full payment schedule
Why people choose us
Private by design
Your input is processed securely and never sold. Client-side tools never leave your browser at all.
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No installs, no waiting. Results in seconds, right in your browser, on any device.
Free forever
No sign-up, no watermarks, no limits. All client-side tools are free to use as much as you like.
Frequently asked questions
What is the difference between equal installment and equal principal?⌄
Equal installment (等额本息) means you pay the same total amount every month — interest starts high and principal starts low, shifting gradually. Equal principal (等额本金) means you pay the same principal amount each month, so the total payment declines over time as interest decreases. Equal installment gives you a predictable budget; equal principal saves more total interest.
Does this include property taxes and insurance?⌄
No — this calculator shows principal and interest only. Property taxes, homeowners insurance, and PMI (if applicable) are not included. Your actual monthly housing cost will be higher.
Is my data uploaded anywhere?⌄
No — everything runs in your browser with plain JavaScript. Nothing you enter is ever sent to a server.
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