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Mortgage Payment Calculator
Estimate your monthly payment with the same inputs as our Mortgage Calculator—then explore SVG charts: a donut of principal & interest, property tax, and insurance, and a balance line showing how the loan principal declines each month on a standard amortization path. For a tighter layout without charts, use the table-only Mortgage Calculator. Numbers use RapidRatio’s decimal-first installment workflow—see why we favor readable decimals.
Quick check: $400,000 home, $80,000 down, 6% APR, 30 years → loan $320,000, P&I about $1,918.56/mo before tax or insurance.
Estimate payment & charts
Results
| Principal & interest (P&I) | — |
|---|---|
| Property tax (mo.) | — |
| Home insurance (mo.) | — |
| Estimated total / month | — |
Charts
Enter values and press Calculate to see the monthly breakdown donut and loan balance line.
| Month | Balance | Tax / mo | Ins. / mo |
|---|
Payment math & charts
P&I uses the same fully amortizing fixed-rate formula as the rest of RapidRatio finance tools. Optional annual property tax and homeowners insurance are converted to monthly amounts with annual ÷ 12 so the donut matches the table row for row. The balance line tracks only the loan principal—tax and insurance do not shrink what you owe the lender.
Accessibility
After each successful calculation, an aria-live region summarizes totals, and a visually hidden table lists sample months with balances (aligned with the curve). Chart captions describe what each graphic shows; the donut combines color, hatching, dash patterns, and text labels so the breakdown is not conveyed by color alone.
What this calculator does not include
PMI/MIP, HOA dues, lender fees, and irregular escrow true-ups are not modeled. Closing costs and note-rate nuances can differ from a Loan Estimate. Always confirm with your lender.
FAQ
How is this Mortgage Payment Calculator different from the other Mortgage Calculator?
Both use the same principal-and-interest formula and optional monthly tax and insurance splits from annual amounts. This page adds SVG visuals—a donut of the estimated monthly parts and a line of remaining loan principal after each payment—plus a small sample amortization table for screen readers. The classic Mortgage Calculator focuses on a compact numeric breakdown table only.
How should I read the balance line chart?
The line tracks only the loan balance for principal and interest (start equals the amount borrowed after your down payment, end reaches zero when the loan is fully amortized). Optional property tax and insurance are shown in the monthly donut but are not part of the payoff curve because they do not reduce principal.
How is the monthly donut split calculated?
Each slice uses the same monthly amounts as the results table: principal and interest together as one slice, property tax monthly (annual tax divided by twelve), and homeowners insurance monthly (annual premium divided by twelve). Labels P&I, Tax, and Ins. sit beside the graphic so the chart is not color-only.
Does this calculator include PMI, MIP, or HOA fees?
No. Mortgage insurance and HOA dues are not modeled. If your loan requires PMI or MIP, or you pay association dues, your actual monthly housing cost can be higher than the total shown here.