About

MortgageCalculator-AI.org is built to be simple by default and powerful when you need it.

What this site does

Estimates monthly payment for fixed-rate and ARM mortgages.
Optionally includes taxes, insurance, HOA, PMI, and extra payments.
Generates an amortization schedule and lets you download it to Excel.
Uses national average rates as a convenience default (you can always override).

Important note

This calculator provides estimates for planning. Actual rates, fees, taxes, insurance, and lender underwriting can change your final payment. Always confirm numbers with your lender and local tax/insurance sources.