Karl's Mortgage Calculator

Mortgage calculator with graphs and charts.

Calculate mortgage payments given principal, interest and term. Reverse calculate for any one variable given the other three.

Enter a down payment amount or percentage to see how large a loan you require.

See how the monthly payment changes when you factor in additional monthly or annual costs such as PMI, HOA, taxes and insurance.

The calculator supports Fixed and Adjustable Rate Mortgages (ARM) with up to five changes in interest rates. Interest-only mortgages are also supported.

You can pay off your mortgage early with extra payments. Add one-off, monthly and annual extra payments. Choose up to six additional extra payment amounts and payment periods and calculate how much money you can save.

Choose from weekly to annual payments and adjust the compounding period from daily through annual periods. Canadian mortgages are supported along with UK annual rest mortgages.

Multiple rounding options are also available. Choose between no rounding, round half up, half down, to even, to ceiling and to floor.

The calculator also supports the input and display of multiple currencies.