🛡️ Our Privacy Promise — Plain Language
✅ We NEVER collect your email
Your calculator results are yours alone
✅ We NEVER sell your data
No lead generation. No third-party sales.
✅ We NEVER require sign-up
No account. No login. Just open and use.
✅ We NEVER track your inputs
Numbers you enter disappear when you leave
✅ No popup forms
No "get your free quote" email traps
✅ No phone number required
Lenders cannot cold-call you from our site
🧮
Free Mortgage Payment Calculator
Enter loan amount, interest rate, and term. See your payment instantly — no email required.
Home Price
$400,000
Down Payment
20% = $80,000
Interest Rate
6.75% (2026 avg)
Loan Term
30 years
Property Tax
~$350/month
Monthly P&I
≈ $2,075
Opens instantly · No sign-up · No popups · Results in 2 seconds
Why We Don't Ask for Your Email (And Why That Matters)
The mortgage industry runs on leads. When you enter your email on Bankrate, LendingTree, or Zillow, you've just become a product. Your contact information is sold to 5–10 lenders simultaneously at $15–$50 per lead. Within 48 hours, expect relentless calls, texts, and emails — even after you've already bought your home.
We earn money differently: when you voluntarily choose to compare lenders side by side, we earn a small affiliate commission — transparent, with no auto-contact. You stay in control. Always.
When you're ready to move forward, you can get pre-approved in minutes with no credit score impact — but only when you decide to. Not because our calculator triggered a lead form.
❌ How Most Calculators Work
- • You enter your email "to get results"
- • Your data is sold to 5–10 lenders
- • You receive 15–30 calls in 48 hours
- • Your info stays in databases for years
- • The "calculator" was just a lead trap
✅ How Ours Works
- • Open the calculator — zero gate
- • Enter numbers, get instant results
- • Zero data collected or stored
- • No calls, texts, or emails from us
- • Lender links are voluntary — your choice
Ready to See What Rates You Actually Qualify For?
Use our calculator for the math, then get real quotes from 10+ lenders — no automatic contact, no spam.
No SSN required to compare rates · Soft pull only · Free
2026 Mortgage Payment Reference Table
Monthly P&I payments at current 2026 average rates — no email, no sign-up needed to use this table. To see what rate you personally qualify for, get a free personalized rate quote here.
| Loan Amount | 6.50% / 30-yr | 6.75% / 30-yr | 6.25% / 15-yr | Total Interest (30yr/6.75%) |
|---|---|---|---|---|
| $200,000 | $1,264 | $1,297 | $1,716 | $266,920 |
| $300,000 | $1,896 | $1,946 | $2,574 | $400,560 |
| $400,000 | $2,528 | $2,594 | $3,432 | $534,084 |
| $500,000 | $3,160 | $3,243 | $4,290 | $667,605 |
| $600,000 | $3,792 | $3,891 | $5,148 | $801,126 |
| $800,000 | $5,056 | $5,188 | $6,864 | $1,068,168 |
P&I only. Does not include property taxes, homeowners insurance, or PMI. Rates approximate as of May 2026.
💡 Rate matters more than any other number
On a $400K loan, a 0.25% rate difference = $58/month = $20,880 over 30 years. Different lenders quote different rates for the same borrower.
First-Time Buyer? Check FHA Loan Options
FHA loans allow 3.5% down with a 580+ credit score. Get a free FHA pre-approval — no commitment, no spam calls.
580+ credit score · 3.5% down · No automatic contact
How to Use This Free Mortgage Calculator
Enter your loan amount
Home price minus your down payment. Example: $400,000 home − $80,000 down (20%) = $320,000 loan.
Enter the interest rate
Use today's rate or the rate you've been quoted. For the best available 2026 rate, see our live rate comparison below.
Choose your loan term
30 years (lowest payment) or 15 years (lowest total cost). Calculator shows exactly how each term affects your numbers.
Get instant results — no email
Monthly P&I payment, total interest, full amortization schedule. All calculated instantly in your browser. Nothing sent to any server.
Optionally compare real lender rates
The calculator shows math with an assumed rate. Your actual rate depends on your credit score, DTI, and lender. Comparing lenders can save $20K+ over the life of your loan.
When You're Ready: Compare Real Rates (Your Choice)
Our calculator gives you accurate payment math. When you're ready to see your actual personalized rate — based on your credit score, income, and target property — these are our trusted lender partners. Clicking is entirely your choice. We receive a commission only if you apply.
Compare 10+ Lenders
See rates side-by-side from top lenders — you control who contacts you.
Compare Rates →✅Get Pre-Approved
Official pre-approval letter in 24 hours — when you decide you're ready.
Get Pre-Approved →📊Rate Quotes — 60 sec
See personalized rate quotes. Soft pull only — no credit score impact.
See My Rate →FAQ — Privacy & Calculator Accuracy
Why does this mortgage calculator not require an email?
Is it safe to use a mortgage calculator without entering personal information?
What can I calculate without giving my information?
Why do other mortgage calculators ask for my email?
How accurate is a mortgage calculator without personal info?
What is the mortgage payment on a $400,000 home in 2026?
More Free Tools & Guides
Ready to Find Your Best Rate?
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Voluntary · Transparent · We earn a commission only if you apply
Meet David
Refinance & Rate Specialist
David Rodriguez is a seasoned refinancing expert with over 10 years of experience in mortgage rate analysis and market trend forecasting. As a Certified Rate Lock Specialist, he has saved homeowners millions in interest payments through strategic refinancing timing. His expertise in Federal Reserve policy impact and mortgage-backed securities makes him a go-to expert for rate predictions and refinancing strategies.
EXPERTISE:
KEY ACHIEVEMENT:
Saved clients $50M+ in interest payments