Introducing the Mortgage Calculator — See Your Real Monthly Payment

The headline rate on a home loan hides the real cost — over a 20-year term you often pay more in interest than the price of the home. The new Mortgage Calculator shows the number that actually matters: your all-in monthly payment, and what the loan really costs over its life.

What it does

• All-in monthly payment — principal, interest, property tax, and insurance together.
• Total interest and total cost — the lifetime price of the loan, not just the rate.
• Loan-to-value ratio — see how your down payment changes your risk profile.
• Cost breakdown chart — where every rupee goes, drawn inline.
• Adjustable everything — price, down payment, rate, term, tax, insurance.

Why it matters

Because interest is front-loaded, your early payments are mostly interest — which is why understanding the full picture before you commit is so valuable. Our guide to how a mortgage works explains payments, interest, and LTV in plain language. Once you have a loan, see how paying extra helps with the mortgage prepayment calculator.

Free, and private

The Mortgage Calculator is free and runs entirely in your browser — nothing you enter is uploaded or stored. A future Pro tier is planned for saved scenarios and a full amortization schedule, but the core calculator stays free forever.