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Mortgage Calculator — Full Monthly Payment with Tax, Insurance, HOA

See your full monthly mortgage payment including property tax, insurance and HOA. Total interest paid over the life of the loan.

$
$
%
yr

Yearly costs (optional)

$
$
$

Total monthly payment

$2,529

Principal & interest$2,129
Property tax$300
Home insurance$100

Total interest

$446,428

Total paid

$766,428

About this tool

The full picture of monthly cost

Online mortgage calculators usually skip property tax, insurance and HOA — making the monthly look 30-40% cheaper than it really is. We include all four so you know what you'll actually pay each month before you sign anything.

How to use the Mortgage Calculator

Takes about a minute. No signup, no download, your data stays in your browser.

  1. 1
    Open the tool. Scroll up to the Mortgage Calculator above — it loads instantly in your browser, no install needed.
  2. 2
    Enter your values. The fields come pre-filled with realistic defaults so you can see how it works — replace them with your own numbers.
  3. 3
    Read the result. The output updates instantly. Copy or share it — nothing is uploaded to a server, everything stays on your device.

Frequently asked questions

Common questions about the Mortgage Calculator.

Is the Mortgage Calculator free to use?

Yes. The Mortgage Calculatoron 7BusyBoss is completely free — no signup, no paywall, no usage cap. We do recommend paid alternatives in a sidebar card, but the core tool stays free.

Do I need to sign up to use the Mortgage Calculator?

No. The Mortgage Calculatorworks instantly in your browser — no account needed. Signing in with Google is optional and only unlocks features like saving favorites and higher AI build limits.

Does the Mortgage Calculator work on mobile?

Yes. Every tool on 7BusyBoss is mobile-responsive and works in any modern browser — Chrome, Safari, Firefox, Edge — on phones, tablets and desktops.

Is my data safe when I use the Mortgage Calculator?

Yes. The Mortgage Calculatorruns entirely in your browser — your inputs never leave your device unless the tool explicitly fetches public data (e.g. currency rates). We don't store the values you type.

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