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15 Year Mortgage Calculator

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15 Year Mortgage Calculator with amortization, PMI, taxes and insurance, and extra payments will calculate your monthly or biweekly payment for your home mortgage. The 40 year Mortgage calculator will break down your payment with a monthly or yearly amortization schedule. The 15 Year Mortgage Calculator includes many built in options such as PMI, extra payment so that you can get all the details for your mortgage. Just enter the necessary field that applies to your mortgage such as PMI, property tax, home insurance, payment frequency (monthly and bi-weekly), monthly HOA fees, and extra payments. You can fill in $0 for the fields that you don't want to be included in the mortgage calculation.

15 Year Loan Calculator

Home Value
$
Down Payment
Mortgage Amount
$
Loan Terms
Interest Rate
PMI (Yearly)
Property Tax (Yearly)
Home Insurance (Yearly)
HOA Fees (Monthly)
Payment Frequency
First Payment Date

Amortization Schedule
Extra Payments
One Time
$ On Date
Monthly or Biweekly
$ Starting Date
Quarterly
$ Starting Date
Yearly
$ Starting Date
Check Local Mortgage Rates


15 Year Mortgage Calculator

Home Value: $300,000.00
Mortgage Amount: $255,000.00
Monthly Principal & Interest: $2,016.52
Monthly Extra Payment: $0.00
Monthly Property Tax: $250.00
Monthly Home Insurance: $125.00
Monthly PMI: (Until Oct, 2025) $106.25
Monthly HOA Fees: $0.00
Total Monthly Payment:
$2,497.77
Total # Of Payments: 180
Start Date: Jul, 2024
Payoff Date: Jun, 2039
Down Payment: $45,000.00
Principal: $255,000.00
Total Extra Payment: $0.00
Total Interest Paid: $107,974.27
Total Tax, Insurance, PMI and Fees: $69,200.00
Total of all Payments:
$477,174.27

15 Year Amortization Schedule

Payment Date Payment # Interest Principal Tax, Insurance, PMI & Fees Total Payment Balance
Jul, 2024 1 $1,062.50 $954.02 $481.25 $2,497.77 $254,045.98
Aug, 2024 2 $1,058.52 $958.00 $481.25 $2,497.77 $253,087.98
Sep, 2024 3 $1,054.53 $961.99 $481.25 $2,497.77 $252,125.99
Oct, 2024 4 $1,050.52 $966.00 $481.25 $2,497.77 $251,159.99
Nov, 2024 5 $1,046.50 $970.02 $481.25 $2,497.77 $250,189.96
Dec, 2024 6 $1,042.46 $974.07 $481.25 $2,497.77 $249,215.90
Jan, 2025 7 $1,038.40 $978.12 $481.25 $2,497.77 $248,237.77
Feb, 2025 8 $1,034.32 $982.20 $481.25 $2,497.77 $247,255.57
Mar, 2025 9 $1,030.23 $986.29 $481.25 $2,497.77 $246,269.28
Apr, 2025 10 $1,026.12 $990.40 $481.25 $2,497.77 $245,278.88
May, 2025 11 $1,022.00 $994.53 $481.25 $2,497.77 $244,284.35
Jun, 2025 12 $1,017.85 $998.67 $481.25 $2,497.77 $243,285.68
Jul, 2025 13 $1,013.69 $1,002.83 $481.25 $2,497.77 $242,282.85
Aug, 2025 14 $1,009.51 $1,007.01 $481.25 $2,497.77 $241,275.83
Sep, 2025 15 $1,005.32 $1,011.21 $481.25 $2,497.77 $240,264.63
Oct, 2025 16 $1,001.10 $1,015.42 $481.25 $2,497.77 $239,249.21
Nov, 2025 17 $996.87 $1,019.65 $375.00 $2,391.52 $238,229.55
Dec, 2025 18 $992.62 $1,023.90 $375.00 $2,391.52 $237,205.65
Jan, 2026 19 $988.36 $1,028.17 $375.00 $2,391.52 $236,177.49
Feb, 2026 20 $984.07 $1,032.45 $375.00 $2,391.52 $235,145.04
Mar, 2026 21 $979.77 $1,036.75 $375.00 $2,391.52 $234,108.28
Apr, 2026 22 $975.45 $1,041.07 $375.00 $2,391.52 $233,067.21
May, 2026 23 $971.11 $1,045.41 $375.00 $2,391.52 $232,021.80
Jun, 2026 24 $966.76 $1,049.77 $375.00 $2,391.52 $230,972.03
Jul, 2026 25 $962.38 $1,054.14 $375.00 $2,391.52 $229,917.89
Aug, 2026 26 $957.99 $1,058.53 $375.00 $2,391.52 $228,859.36
Sep, 2026 27 $953.58 $1,062.94 $375.00 $2,391.52 $227,796.42
Oct, 2026 28 $949.15 $1,067.37 $375.00 $2,391.52 $226,729.05
Nov, 2026 29 $944.70 $1,071.82 $375.00 $2,391.52 $225,657.23
Dec, 2026 30 $940.24 $1,076.29 $375.00 $2,391.52 $224,580.94
Jan, 2027 31 $935.75 $1,080.77 $375.00 $2,391.52 $223,500.17
Feb, 2027 32 $931.25 $1,085.27 $375.00 $2,391.52 $222,414.90
Mar, 2027 33 $926.73 $1,089.80 $375.00 $2,391.52 $221,325.10
Apr, 2027 34 $922.19 $1,094.34 $375.00 $2,391.52 $220,230.77
May, 2027 35 $917.63 $1,098.90 $375.00 $2,391.52 $219,131.87
Jun, 2027 36 $913.05 $1,103.47 $375.00 $2,391.52 $218,028.40
Jul, 2027 37 $908.45 $1,108.07 $375.00 $2,391.52 $216,920.33
Aug, 2027 38 $903.83 $1,112.69 $375.00 $2,391.52 $215,807.64
Sep, 2027 39 $899.20 $1,117.33 $375.00 $2,391.52 $214,690.31
Oct, 2027 40 $894.54 $1,121.98 $375.00 $2,391.52 $213,568.33
Nov, 2027 41 $889.87 $1,126.66 $375.00 $2,391.52 $212,441.67
Dec, 2027 42 $885.17 $1,131.35 $375.00 $2,391.52 $211,310.32
Jan, 2028 43 $880.46 $1,136.06 $375.00 $2,391.52 $210,174.26
Feb, 2028 44 $875.73 $1,140.80 $375.00 $2,391.52 $209,033.46
Mar, 2028 45 $870.97 $1,145.55 $375.00 $2,391.52 $207,887.91
Apr, 2028 46 $866.20 $1,150.32 $375.00 $2,391.52 $206,737.59
May, 2028 47 $861.41 $1,155.12 $375.00 $2,391.52 $205,582.47
Jun, 2028 48 $856.59 $1,159.93 $375.00 $2,391.52 $204,422.54
Jul, 2028 49 $851.76 $1,164.76 $375.00 $2,391.52 $203,257.78
Aug, 2028 50 $846.91 $1,169.62 $375.00 $2,391.52 $202,088.16
Sep, 2028 51 $842.03 $1,174.49 $375.00 $2,391.52 $200,913.67
Oct, 2028 52 $837.14 $1,179.38 $375.00 $2,391.52 $199,734.29
Nov, 2028 53 $832.23 $1,184.30 $375.00 $2,391.52 $198,549.99
Dec, 2028 54 $827.29 $1,189.23 $375.00 $2,391.52 $197,360.76
Jan, 2029 55 $822.34 $1,194.19 $375.00 $2,391.52 $196,166.57
Feb, 2029 56 $817.36 $1,199.16 $375.00 $2,391.52 $194,967.41
Mar, 2029 57 $812.36 $1,204.16 $375.00 $2,391.52 $193,763.25
Apr, 2029 58 $807.35 $1,209.18 $375.00 $2,391.52 $192,554.07
May, 2029 59 $802.31 $1,214.22 $375.00 $2,391.52 $191,339.86
Jun, 2029 60 $797.25 $1,219.27 $375.00 $2,391.52 $190,120.58
Jul, 2029 61 $792.17 $1,224.35 $375.00 $2,391.52 $188,896.23
Aug, 2029 62 $787.07 $1,229.46 $375.00 $2,391.52 $187,666.77
Sep, 2029 63 $781.94 $1,234.58 $375.00 $2,391.52 $186,432.19
Oct, 2029 64 $776.80 $1,239.72 $375.00 $2,391.52 $185,192.47
Nov, 2029 65 $771.64 $1,244.89 $375.00 $2,391.52 $183,947.58
Dec, 2029 66 $766.45 $1,250.08 $375.00 $2,391.52 $182,697.51
Jan, 2030 67 $761.24 $1,255.28 $375.00 $2,391.52 $181,442.22
Feb, 2030 68 $756.01 $1,260.51 $375.00 $2,391.52 $180,181.71
Mar, 2030 69 $750.76 $1,265.77 $375.00 $2,391.52 $178,915.94
Apr, 2030 70 $745.48 $1,271.04 $375.00 $2,391.52 $177,644.90
May, 2030 71 $740.19 $1,276.34 $375.00 $2,391.52 $176,368.56
Jun, 2030 72 $734.87 $1,281.65 $375.00 $2,391.52 $175,086.91
Jul, 2030 73 $729.53 $1,286.99 $375.00 $2,391.52 $173,799.91
Aug, 2030 74 $724.17 $1,292.36 $375.00 $2,391.52 $172,507.56
Sep, 2030 75 $718.78 $1,297.74 $375.00 $2,391.52 $171,209.81
Oct, 2030 76 $713.37 $1,303.15 $375.00 $2,391.52 $169,906.66
Nov, 2030 77 $707.94 $1,308.58 $375.00 $2,391.52 $168,598.08
Dec, 2030 78 $702.49 $1,314.03 $375.00 $2,391.52 $167,284.05
Jan, 2031 79 $697.02 $1,319.51 $375.00 $2,391.52 $165,964.55
Feb, 2031 80 $691.52 $1,325.00 $375.00 $2,391.52 $164,639.54
Mar, 2031 81 $686.00 $1,330.53 $375.00 $2,391.52 $163,309.02
Apr, 2031 82 $680.45 $1,336.07 $375.00 $2,391.52 $161,972.95
May, 2031 83 $674.89 $1,341.64 $375.00 $2,391.52 $160,631.31
Jun, 2031 84 $669.30 $1,347.23 $375.00 $2,391.52 $159,284.08
Jul, 2031 85 $663.68 $1,352.84 $375.00 $2,391.52 $157,931.24
Aug, 2031 86 $658.05 $1,358.48 $375.00 $2,391.52 $156,572.77
Sep, 2031 87 $652.39 $1,364.14 $375.00 $2,391.52 $155,208.63
Oct, 2031 88 $646.70 $1,369.82 $375.00 $2,391.52 $153,838.81
Nov, 2031 89 $641.00 $1,375.53 $375.00 $2,391.52 $152,463.28
Dec, 2031 90 $635.26 $1,381.26 $375.00 $2,391.52 $151,082.02
Jan, 2032 91 $629.51 $1,387.02 $375.00 $2,391.52 $149,695.00
Feb, 2032 92 $623.73 $1,392.79 $375.00 $2,391.52 $148,302.21
Mar, 2032 93 $617.93 $1,398.60 $375.00 $2,391.52 $146,903.61
Apr, 2032 94 $612.10 $1,404.43 $375.00 $2,391.52 $145,499.19
May, 2032 95 $606.25 $1,410.28 $375.00 $2,391.52 $144,088.91
Jun, 2032 96 $600.37 $1,416.15 $375.00 $2,391.52 $142,672.76
Jul, 2032 97 $594.47 $1,422.05 $375.00 $2,391.52 $141,250.70
Aug, 2032 98 $588.54 $1,427.98 $375.00 $2,391.52 $139,822.72
Sep, 2032 99 $582.59 $1,433.93 $375.00 $2,391.52 $138,388.79
Oct, 2032 100 $576.62 $1,439.90 $375.00 $2,391.52 $136,948.89
Nov, 2032 101 $570.62 $1,445.90 $375.00 $2,391.52 $135,502.99
Dec, 2032 102 $564.60 $1,451.93 $375.00 $2,391.52 $134,051.06
Jan, 2033 103 $558.55 $1,457.98 $375.00 $2,391.52 $132,593.08
Feb, 2033 104 $552.47 $1,464.05 $375.00 $2,391.52 $131,129.03
Mar, 2033 105 $546.37 $1,470.15 $375.00 $2,391.52 $129,658.87
Apr, 2033 106 $540.25 $1,476.28 $375.00 $2,391.52 $128,182.60
May, 2033 107 $534.09 $1,482.43 $375.00 $2,391.52 $126,700.17
Jun, 2033 108 $527.92 $1,488.61 $375.00 $2,391.52 $125,211.56
Jul, 2033 109 $521.71 $1,494.81 $375.00 $2,391.52 $123,716.75
Aug, 2033 110 $515.49 $1,501.04 $375.00 $2,391.52 $122,215.71
Sep, 2033 111 $509.23 $1,507.29 $375.00 $2,391.52 $120,708.42
Oct, 2033 112 $502.95 $1,513.57 $375.00 $2,391.52 $119,194.85
Nov, 2033 113 $496.65 $1,519.88 $375.00 $2,391.52 $117,674.97
Dec, 2033 114 $490.31 $1,526.21 $375.00 $2,391.52 $116,148.76
Jan, 2034 115 $483.95 $1,532.57 $375.00 $2,391.52 $114,616.19
Feb, 2034 116 $477.57 $1,538.96 $375.00 $2,391.52 $113,077.23
Mar, 2034 117 $471.16 $1,545.37 $375.00 $2,391.52 $111,531.87
Apr, 2034 118 $464.72 $1,551.81 $375.00 $2,391.52 $109,980.06
May, 2034 119 $458.25 $1,558.27 $375.00 $2,391.52 $108,421.78
Jun, 2034 120 $451.76 $1,564.77 $375.00 $2,391.52 $106,857.02
Jul, 2034 121 $445.24 $1,571.29 $375.00 $2,391.52 $105,285.73
Aug, 2034 122 $438.69 $1,577.83 $375.00 $2,391.52 $103,707.90
Sep, 2034 123 $432.12 $1,584.41 $375.00 $2,391.52 $102,123.49
Oct, 2034 124 $425.51 $1,591.01 $375.00 $2,391.52 $100,532.48
Nov, 2034 125 $418.89 $1,597.64 $375.00 $2,391.52 $98,934.84
Dec, 2034 126 $412.23 $1,604.30 $375.00 $2,391.52 $97,330.55
Jan, 2035 127 $405.54 $1,610.98 $375.00 $2,391.52 $95,719.57
Feb, 2035 128 $398.83 $1,617.69 $375.00 $2,391.52 $94,101.88
Mar, 2035 129 $392.09 $1,624.43 $375.00 $2,391.52 $92,477.44
Apr, 2035 130 $385.32 $1,631.20 $375.00 $2,391.52 $90,846.24
May, 2035 131 $378.53 $1,638.00 $375.00 $2,391.52 $89,208.24
Jun, 2035 132 $371.70 $1,644.82 $375.00 $2,391.52 $87,563.42
Jul, 2035 133 $364.85 $1,651.68 $375.00 $2,391.52 $85,911.75
Aug, 2035 134 $357.97 $1,658.56 $375.00 $2,391.52 $84,253.19
Sep, 2035 135 $351.05 $1,665.47 $375.00 $2,391.52 $82,587.72
Oct, 2035 136 $344.12 $1,672.41 $375.00 $2,391.52 $80,915.31
Nov, 2035 137 $337.15 $1,679.38 $375.00 $2,391.52 $79,235.93
Dec, 2035 138 $330.15 $1,686.37 $375.00 $2,391.52 $77,549.56
Jan, 2036 139 $323.12 $1,693.40 $375.00 $2,391.52 $75,856.16
Feb, 2036 140 $316.07 $1,700.46 $375.00 $2,391.52 $74,155.70
Mar, 2036 141 $308.98 $1,707.54 $375.00 $2,391.52 $72,448.16
Apr, 2036 142 $301.87 $1,714.66 $375.00 $2,391.52 $70,733.50
May, 2036 143 $294.72 $1,721.80 $375.00 $2,391.52 $69,011.70
Jun, 2036 144 $287.55 $1,728.97 $375.00 $2,391.52 $67,282.73
Jul, 2036 145 $280.34 $1,736.18 $375.00 $2,391.52 $65,546.55
Aug, 2036 146 $273.11 $1,743.41 $375.00 $2,391.52 $63,803.14
Sep, 2036 147 $265.85 $1,750.68 $375.00 $2,391.52 $62,052.46
Oct, 2036 148 $258.55 $1,757.97 $375.00 $2,391.52 $60,294.49
Nov, 2036 149 $251.23 $1,765.30 $375.00 $2,391.52 $58,529.19
Dec, 2036 150 $243.87 $1,772.65 $375.00 $2,391.52 $56,756.54
Jan, 2037 151 $236.49 $1,780.04 $375.00 $2,391.52 $54,976.50
Feb, 2037 152 $229.07 $1,787.45 $375.00 $2,391.52 $53,189.05
Mar, 2037 153 $221.62 $1,794.90 $375.00 $2,391.52 $51,394.14
Apr, 2037 154 $214.14 $1,802.38 $375.00 $2,391.52 $49,591.76
May, 2037 155 $206.63 $1,809.89 $375.00 $2,391.52 $47,781.87
Jun, 2037 156 $199.09 $1,817.43 $375.00 $2,391.52 $45,964.44
Jul, 2037 157 $191.52 $1,825.01 $375.00 $2,391.52 $44,139.43
Aug, 2037 158 $183.91 $1,832.61 $375.00 $2,391.52 $42,306.82
Sep, 2037 159 $176.28 $1,840.25 $375.00 $2,391.52 $40,466.58
Oct, 2037 160 $168.61 $1,847.91 $375.00 $2,391.52 $38,618.66
Nov, 2037 161 $160.91 $1,855.61 $375.00 $2,391.52 $36,763.05
Dec, 2037 162 $153.18 $1,863.34 $375.00 $2,391.52 $34,899.71
Jan, 2038 163 $145.42 $1,871.11 $375.00 $2,391.52 $33,028.60
Feb, 2038 164 $137.62 $1,878.90 $375.00 $2,391.52 $31,149.69
Mar, 2038 165 $129.79 $1,886.73 $375.00 $2,391.52 $29,262.96
Apr, 2038 166 $121.93 $1,894.59 $375.00 $2,391.52 $27,368.37
May, 2038 167 $114.03 $1,902.49 $375.00 $2,391.52 $25,465.88
Jun, 2038 168 $106.11 $1,910.42 $375.00 $2,391.52 $23,555.46
Jul, 2038 169 $98.15 $1,918.38 $375.00 $2,391.52 $21,637.09
Aug, 2038 170 $90.15 $1,926.37 $375.00 $2,391.52 $19,710.72
Sep, 2038 171 $82.13 $1,934.40 $375.00 $2,391.52 $17,776.32
Oct, 2038 172 $74.07 $1,942.46 $375.00 $2,391.52 $15,833.86
Nov, 2038 173 $65.97 $1,950.55 $375.00 $2,391.52 $13,883.32
Dec, 2038 174 $57.85 $1,958.68 $375.00 $2,391.52 $11,924.64
Jan, 2039 175 $49.69 $1,966.84 $375.00 $2,391.52 $9,957.80
Feb, 2039 176 $41.49 $1,975.03 $375.00 $2,391.52 $7,982.77
Mar, 2039 177 $33.26 $1,983.26 $375.00 $2,391.52 $5,999.51
Apr, 2039 178 $25.00 $1,991.53 $375.00 $2,391.52 $4,007.98
May, 2039 179 $16.70 $1,999.82 $375.00 $2,391.52 $2,008.16
Jun, 2039 180 $8.37 $2,008.16 $375.00 $2,391.52 $0.00

Compare Monthly vs. Bi-weekly

Payment Frequency Monthly Bi-weekly
Payments / Year 12 26
Each Payment $2,497.77 $1,230.38
Total Extra Payments $0.00 $0.00
Total Interest $107,974.27 $94,645.61
Total Tax, Insurance, PMI & Fees $69,200.00 $61,306.73
Total Payment $477,174.27 $455,952.34
Total Savings $0 $21,221.93
Payoff Date Jun, 2039 Oct, 2037

15 Year Mortgage Calculator Excel

The 15 Year Mortgage is the most common type of mortgage. Shorter terms are available such as 10, 15, 20, or 25 years. Longer term mortgages allow you to pay less in monthly payments than shorter ones. However, you will end up paying more in interest for longer term mortgages. Our mortgage calculator will show you exactly how much you will save on interest payment with a 15 year mortgage to a 30 year mortgage.

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