mortgage calculator

15 Year Mortgage Calculator

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 15 year Mortgage calculator will break down your payment with a monthly or yearly amortization schedule.

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
Today's HELOC Rates

Check Today's 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 Mar, 2027) $106.25
Monthly HOA Fees: $0.00
Total Monthly Payment:
$2,497.77
Total # Of Payments: 180
Start Date: Dec, 2025
Payoff Date: Nov, 2040
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
Dec, 2025 1 $1,062.50 $954.02 $481.25 $2,497.77 $254,045.98
Jan, 2026 2 $1,058.52 $958.00 $481.25 $2,497.77 $253,087.98
Feb, 2026 3 $1,054.53 $961.99 $481.25 $2,497.77 $252,125.99
Mar, 2026 4 $1,050.52 $966.00 $481.25 $2,497.77 $251,159.99
Apr, 2026 5 $1,046.50 $970.02 $481.25 $2,497.77 $250,189.96
May, 2026 6 $1,042.46 $974.07 $481.25 $2,497.77 $249,215.90
Jun, 2026 7 $1,038.40 $978.12 $481.25 $2,497.77 $248,237.77
Jul, 2026 8 $1,034.32 $982.20 $481.25 $2,497.77 $247,255.57
Aug, 2026 9 $1,030.23 $986.29 $481.25 $2,497.77 $246,269.28
Sep, 2026 10 $1,026.12 $990.40 $481.25 $2,497.77 $245,278.88
Oct, 2026 11 $1,022.00 $994.53 $481.25 $2,497.77 $244,284.35
Nov, 2026 12 $1,017.85 $998.67 $481.25 $2,497.77 $243,285.68
Dec, 2026 13 $1,013.69 $1,002.83 $481.25 $2,497.77 $242,282.85
Jan, 2027 14 $1,009.51 $1,007.01 $481.25 $2,497.77 $241,275.83
Feb, 2027 15 $1,005.32 $1,011.21 $481.25 $2,497.77 $240,264.63
Mar, 2027 16 $1,001.10 $1,015.42 $481.25 $2,497.77 $239,249.21
Apr, 2027 17 $996.87 $1,019.65 $375.00 $2,391.52 $238,229.55
May, 2027 18 $992.62 $1,023.90 $375.00 $2,391.52 $237,205.65
Jun, 2027 19 $988.36 $1,028.17 $375.00 $2,391.52 $236,177.49
Jul, 2027 20 $984.07 $1,032.45 $375.00 $2,391.52 $235,145.04
Aug, 2027 21 $979.77 $1,036.75 $375.00 $2,391.52 $234,108.28
Sep, 2027 22 $975.45 $1,041.07 $375.00 $2,391.52 $233,067.21
Oct, 2027 23 $971.11 $1,045.41 $375.00 $2,391.52 $232,021.80
Nov, 2027 24 $966.76 $1,049.77 $375.00 $2,391.52 $230,972.03
Dec, 2027 25 $962.38 $1,054.14 $375.00 $2,391.52 $229,917.89
Jan, 2028 26 $957.99 $1,058.53 $375.00 $2,391.52 $228,859.36
Feb, 2028 27 $953.58 $1,062.94 $375.00 $2,391.52 $227,796.42
Mar, 2028 28 $949.15 $1,067.37 $375.00 $2,391.52 $226,729.05
Apr, 2028 29 $944.70 $1,071.82 $375.00 $2,391.52 $225,657.23
May, 2028 30 $940.24 $1,076.29 $375.00 $2,391.52 $224,580.94
Jun, 2028 31 $935.75 $1,080.77 $375.00 $2,391.52 $223,500.17
Jul, 2028 32 $931.25 $1,085.27 $375.00 $2,391.52 $222,414.90
Aug, 2028 33 $926.73 $1,089.80 $375.00 $2,391.52 $221,325.10
Sep, 2028 34 $922.19 $1,094.34 $375.00 $2,391.52 $220,230.77
Oct, 2028 35 $917.63 $1,098.90 $375.00 $2,391.52 $219,131.87
Nov, 2028 36 $913.05 $1,103.47 $375.00 $2,391.52 $218,028.40
Dec, 2028 37 $908.45 $1,108.07 $375.00 $2,391.52 $216,920.33
Jan, 2029 38 $903.83 $1,112.69 $375.00 $2,391.52 $215,807.64
Feb, 2029 39 $899.20 $1,117.33 $375.00 $2,391.52 $214,690.31
Mar, 2029 40 $894.54 $1,121.98 $375.00 $2,391.52 $213,568.33
Apr, 2029 41 $889.87 $1,126.66 $375.00 $2,391.52 $212,441.67
May, 2029 42 $885.17 $1,131.35 $375.00 $2,391.52 $211,310.32
Jun, 2029 43 $880.46 $1,136.06 $375.00 $2,391.52 $210,174.26
Jul, 2029 44 $875.73 $1,140.80 $375.00 $2,391.52 $209,033.46
Aug, 2029 45 $870.97 $1,145.55 $375.00 $2,391.52 $207,887.91
Sep, 2029 46 $866.20 $1,150.32 $375.00 $2,391.52 $206,737.59
Oct, 2029 47 $861.41 $1,155.12 $375.00 $2,391.52 $205,582.47
Nov, 2029 48 $856.59 $1,159.93 $375.00 $2,391.52 $204,422.54
Dec, 2029 49 $851.76 $1,164.76 $375.00 $2,391.52 $203,257.78
Jan, 2030 50 $846.91 $1,169.62 $375.00 $2,391.52 $202,088.16
Feb, 2030 51 $842.03 $1,174.49 $375.00 $2,391.52 $200,913.67
Mar, 2030 52 $837.14 $1,179.38 $375.00 $2,391.52 $199,734.29
Apr, 2030 53 $832.23 $1,184.30 $375.00 $2,391.52 $198,549.99
May, 2030 54 $827.29 $1,189.23 $375.00 $2,391.52 $197,360.76
Jun, 2030 55 $822.34 $1,194.19 $375.00 $2,391.52 $196,166.57
Jul, 2030 56 $817.36 $1,199.16 $375.00 $2,391.52 $194,967.41
Aug, 2030 57 $812.36 $1,204.16 $375.00 $2,391.52 $193,763.25
Sep, 2030 58 $807.35 $1,209.18 $375.00 $2,391.52 $192,554.07
Oct, 2030 59 $802.31 $1,214.22 $375.00 $2,391.52 $191,339.86
Nov, 2030 60 $797.25 $1,219.27 $375.00 $2,391.52 $190,120.58
Dec, 2030 61 $792.17 $1,224.35 $375.00 $2,391.52 $188,896.23
Jan, 2031 62 $787.07 $1,229.46 $375.00 $2,391.52 $187,666.77
Feb, 2031 63 $781.94 $1,234.58 $375.00 $2,391.52 $186,432.19
Mar, 2031 64 $776.80 $1,239.72 $375.00 $2,391.52 $185,192.47
Apr, 2031 65 $771.64 $1,244.89 $375.00 $2,391.52 $183,947.58
May, 2031 66 $766.45 $1,250.08 $375.00 $2,391.52 $182,697.51
Jun, 2031 67 $761.24 $1,255.28 $375.00 $2,391.52 $181,442.22
Jul, 2031 68 $756.01 $1,260.51 $375.00 $2,391.52 $180,181.71
Aug, 2031 69 $750.76 $1,265.77 $375.00 $2,391.52 $178,915.94
Sep, 2031 70 $745.48 $1,271.04 $375.00 $2,391.52 $177,644.90
Oct, 2031 71 $740.19 $1,276.34 $375.00 $2,391.52 $176,368.56
Nov, 2031 72 $734.87 $1,281.65 $375.00 $2,391.52 $175,086.91
Dec, 2031 73 $729.53 $1,286.99 $375.00 $2,391.52 $173,799.91
Jan, 2032 74 $724.17 $1,292.36 $375.00 $2,391.52 $172,507.56
Feb, 2032 75 $718.78 $1,297.74 $375.00 $2,391.52 $171,209.81
Mar, 2032 76 $713.37 $1,303.15 $375.00 $2,391.52 $169,906.66
Apr, 2032 77 $707.94 $1,308.58 $375.00 $2,391.52 $168,598.08
May, 2032 78 $702.49 $1,314.03 $375.00 $2,391.52 $167,284.05
Jun, 2032 79 $697.02 $1,319.51 $375.00 $2,391.52 $165,964.55
Jul, 2032 80 $691.52 $1,325.00 $375.00 $2,391.52 $164,639.54
Aug, 2032 81 $686.00 $1,330.53 $375.00 $2,391.52 $163,309.02
Sep, 2032 82 $680.45 $1,336.07 $375.00 $2,391.52 $161,972.95
Oct, 2032 83 $674.89 $1,341.64 $375.00 $2,391.52 $160,631.31
Nov, 2032 84 $669.30 $1,347.23 $375.00 $2,391.52 $159,284.08
Dec, 2032 85 $663.68 $1,352.84 $375.00 $2,391.52 $157,931.24
Jan, 2033 86 $658.05 $1,358.48 $375.00 $2,391.52 $156,572.77
Feb, 2033 87 $652.39 $1,364.14 $375.00 $2,391.52 $155,208.63
Mar, 2033 88 $646.70 $1,369.82 $375.00 $2,391.52 $153,838.81
Apr, 2033 89 $641.00 $1,375.53 $375.00 $2,391.52 $152,463.28
May, 2033 90 $635.26 $1,381.26 $375.00 $2,391.52 $151,082.02
Jun, 2033 91 $629.51 $1,387.02 $375.00 $2,391.52 $149,695.00
Jul, 2033 92 $623.73 $1,392.79 $375.00 $2,391.52 $148,302.21
Aug, 2033 93 $617.93 $1,398.60 $375.00 $2,391.52 $146,903.61
Sep, 2033 94 $612.10 $1,404.43 $375.00 $2,391.52 $145,499.19
Oct, 2033 95 $606.25 $1,410.28 $375.00 $2,391.52 $144,088.91
Nov, 2033 96 $600.37 $1,416.15 $375.00 $2,391.52 $142,672.76
Dec, 2033 97 $594.47 $1,422.05 $375.00 $2,391.52 $141,250.70
Jan, 2034 98 $588.54 $1,427.98 $375.00 $2,391.52 $139,822.72
Feb, 2034 99 $582.59 $1,433.93 $375.00 $2,391.52 $138,388.79
Mar, 2034 100 $576.62 $1,439.90 $375.00 $2,391.52 $136,948.89
Apr, 2034 101 $570.62 $1,445.90 $375.00 $2,391.52 $135,502.99
May, 2034 102 $564.60 $1,451.93 $375.00 $2,391.52 $134,051.06
Jun, 2034 103 $558.55 $1,457.98 $375.00 $2,391.52 $132,593.08
Jul, 2034 104 $552.47 $1,464.05 $375.00 $2,391.52 $131,129.03
Aug, 2034 105 $546.37 $1,470.15 $375.00 $2,391.52 $129,658.87
Sep, 2034 106 $540.25 $1,476.28 $375.00 $2,391.52 $128,182.60
Oct, 2034 107 $534.09 $1,482.43 $375.00 $2,391.52 $126,700.17
Nov, 2034 108 $527.92 $1,488.61 $375.00 $2,391.52 $125,211.56
Dec, 2034 109 $521.71 $1,494.81 $375.00 $2,391.52 $123,716.75
Jan, 2035 110 $515.49 $1,501.04 $375.00 $2,391.52 $122,215.71
Feb, 2035 111 $509.23 $1,507.29 $375.00 $2,391.52 $120,708.42
Mar, 2035 112 $502.95 $1,513.57 $375.00 $2,391.52 $119,194.85
Apr, 2035 113 $496.65 $1,519.88 $375.00 $2,391.52 $117,674.97
May, 2035 114 $490.31 $1,526.21 $375.00 $2,391.52 $116,148.76
Jun, 2035 115 $483.95 $1,532.57 $375.00 $2,391.52 $114,616.19
Jul, 2035 116 $477.57 $1,538.96 $375.00 $2,391.52 $113,077.23
Aug, 2035 117 $471.16 $1,545.37 $375.00 $2,391.52 $111,531.87
Sep, 2035 118 $464.72 $1,551.81 $375.00 $2,391.52 $109,980.06
Oct, 2035 119 $458.25 $1,558.27 $375.00 $2,391.52 $108,421.78
Nov, 2035 120 $451.76 $1,564.77 $375.00 $2,391.52 $106,857.02
Dec, 2035 121 $445.24 $1,571.29 $375.00 $2,391.52 $105,285.73
Jan, 2036 122 $438.69 $1,577.83 $375.00 $2,391.52 $103,707.90
Feb, 2036 123 $432.12 $1,584.41 $375.00 $2,391.52 $102,123.49
Mar, 2036 124 $425.51 $1,591.01 $375.00 $2,391.52 $100,532.48
Apr, 2036 125 $418.89 $1,597.64 $375.00 $2,391.52 $98,934.84
May, 2036 126 $412.23 $1,604.30 $375.00 $2,391.52 $97,330.55
Jun, 2036 127 $405.54 $1,610.98 $375.00 $2,391.52 $95,719.57
Jul, 2036 128 $398.83 $1,617.69 $375.00 $2,391.52 $94,101.88
Aug, 2036 129 $392.09 $1,624.43 $375.00 $2,391.52 $92,477.44
Sep, 2036 130 $385.32 $1,631.20 $375.00 $2,391.52 $90,846.24
Oct, 2036 131 $378.53 $1,638.00 $375.00 $2,391.52 $89,208.24
Nov, 2036 132 $371.70 $1,644.82 $375.00 $2,391.52 $87,563.42
Dec, 2036 133 $364.85 $1,651.68 $375.00 $2,391.52 $85,911.75
Jan, 2037 134 $357.97 $1,658.56 $375.00 $2,391.52 $84,253.19
Feb, 2037 135 $351.05 $1,665.47 $375.00 $2,391.52 $82,587.72
Mar, 2037 136 $344.12 $1,672.41 $375.00 $2,391.52 $80,915.31
Apr, 2037 137 $337.15 $1,679.38 $375.00 $2,391.52 $79,235.93
May, 2037 138 $330.15 $1,686.37 $375.00 $2,391.52 $77,549.56
Jun, 2037 139 $323.12 $1,693.40 $375.00 $2,391.52 $75,856.16
Jul, 2037 140 $316.07 $1,700.46 $375.00 $2,391.52 $74,155.70
Aug, 2037 141 $308.98 $1,707.54 $375.00 $2,391.52 $72,448.16
Sep, 2037 142 $301.87 $1,714.66 $375.00 $2,391.52 $70,733.50
Oct, 2037 143 $294.72 $1,721.80 $375.00 $2,391.52 $69,011.70
Nov, 2037 144 $287.55 $1,728.97 $375.00 $2,391.52 $67,282.73
Dec, 2037 145 $280.34 $1,736.18 $375.00 $2,391.52 $65,546.55
Jan, 2038 146 $273.11 $1,743.41 $375.00 $2,391.52 $63,803.14
Feb, 2038 147 $265.85 $1,750.68 $375.00 $2,391.52 $62,052.46
Mar, 2038 148 $258.55 $1,757.97 $375.00 $2,391.52 $60,294.49
Apr, 2038 149 $251.23 $1,765.30 $375.00 $2,391.52 $58,529.19
May, 2038 150 $243.87 $1,772.65 $375.00 $2,391.52 $56,756.54
Jun, 2038 151 $236.49 $1,780.04 $375.00 $2,391.52 $54,976.50
Jul, 2038 152 $229.07 $1,787.45 $375.00 $2,391.52 $53,189.05
Aug, 2038 153 $221.62 $1,794.90 $375.00 $2,391.52 $51,394.14
Sep, 2038 154 $214.14 $1,802.38 $375.00 $2,391.52 $49,591.76
Oct, 2038 155 $206.63 $1,809.89 $375.00 $2,391.52 $47,781.87
Nov, 2038 156 $199.09 $1,817.43 $375.00 $2,391.52 $45,964.44
Dec, 2038 157 $191.52 $1,825.01 $375.00 $2,391.52 $44,139.43
Jan, 2039 158 $183.91 $1,832.61 $375.00 $2,391.52 $42,306.82
Feb, 2039 159 $176.28 $1,840.25 $375.00 $2,391.52 $40,466.58
Mar, 2039 160 $168.61 $1,847.91 $375.00 $2,391.52 $38,618.66
Apr, 2039 161 $160.91 $1,855.61 $375.00 $2,391.52 $36,763.05
May, 2039 162 $153.18 $1,863.34 $375.00 $2,391.52 $34,899.71
Jun, 2039 163 $145.42 $1,871.11 $375.00 $2,391.52 $33,028.60
Jul, 2039 164 $137.62 $1,878.90 $375.00 $2,391.52 $31,149.69
Aug, 2039 165 $129.79 $1,886.73 $375.00 $2,391.52 $29,262.96
Sep, 2039 166 $121.93 $1,894.59 $375.00 $2,391.52 $27,368.37
Oct, 2039 167 $114.03 $1,902.49 $375.00 $2,391.52 $25,465.88
Nov, 2039 168 $106.11 $1,910.42 $375.00 $2,391.52 $23,555.46
Dec, 2039 169 $98.15 $1,918.38 $375.00 $2,391.52 $21,637.09
Jan, 2040 170 $90.15 $1,926.37 $375.00 $2,391.52 $19,710.72
Feb, 2040 171 $82.13 $1,934.40 $375.00 $2,391.52 $17,776.32
Mar, 2040 172 $74.07 $1,942.46 $375.00 $2,391.52 $15,833.86
Apr, 2040 173 $65.97 $1,950.55 $375.00 $2,391.52 $13,883.32
May, 2040 174 $57.85 $1,958.68 $375.00 $2,391.52 $11,924.64
Jun, 2040 175 $49.69 $1,966.84 $375.00 $2,391.52 $9,957.80
Jul, 2040 176 $41.49 $1,975.03 $375.00 $2,391.52 $7,982.77
Aug, 2040 177 $33.26 $1,983.26 $375.00 $2,391.52 $5,999.51
Sep, 2040 178 $25.00 $1,991.53 $375.00 $2,391.52 $4,007.98
Oct, 2040 179 $16.70 $1,999.82 $375.00 $2,391.52 $2,008.16
Nov, 2040 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 $61,133.65
Total Payment $477,174.27 $455,779.26
Total Savings $0 $21,395.01
Payoff Date Nov, 2040 Mar, 2039
Today's HELOC Rates

Check Today's Mortgage Rates

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.

5 Year Mortgage Calculator
10 Year Mortgage Calculator
15 Year Mortgage Calculator
20 Year Mortgage Calculator
25 Year Mortgage Calculator
30 Year Mortgage Calculator
35 Year Mortgage Calculator
38 Year Mortgage Calculator
39 Year Mortgage Calculator
40 Year Mortgage Calculator
45 Year Mortgage Calculator
50 Year Mortgage Calculator
60 Year Mortgage Calculator
15 Year Mortgage Refinance Calculator

Mortgage Calculator | Terms | Privacy | Disclaimer | Contact

©2025 Mortgage Calculator