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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 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 Feb, 2025) $106.25
Monthly HOA Fees: $0.00
Total Monthly Payment:
$2,497.77
Total # Of Payments: 180
Start Date: Nov, 2023
Payoff Date: Oct, 2038
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
Nov, 2023 1 $1,062.50 $954.02 $481.25 $2,497.77 $254,045.98
Dec, 2023 2 $1,058.52 $958.00 $481.25 $2,497.77 $253,087.98
Jan, 2024 3 $1,054.53 $961.99 $481.25 $2,497.77 $252,125.99
Feb, 2024 4 $1,050.52 $966.00 $481.25 $2,497.77 $251,159.99
Mar, 2024 5 $1,046.50 $970.02 $481.25 $2,497.77 $250,189.96
Apr, 2024 6 $1,042.46 $974.07 $481.25 $2,497.77 $249,215.90
May, 2024 7 $1,038.40 $978.12 $481.25 $2,497.77 $248,237.77
Jun, 2024 8 $1,034.32 $982.20 $481.25 $2,497.77 $247,255.57
Jul, 2024 9 $1,030.23 $986.29 $481.25 $2,497.77 $246,269.28
Aug, 2024 10 $1,026.12 $990.40 $481.25 $2,497.77 $245,278.88
Sep, 2024 11 $1,022.00 $994.53 $481.25 $2,497.77 $244,284.35
Oct, 2024 12 $1,017.85 $998.67 $481.25 $2,497.77 $243,285.68
Nov, 2024 13 $1,013.69 $1,002.83 $481.25 $2,497.77 $242,282.85
Dec, 2024 14 $1,009.51 $1,007.01 $481.25 $2,497.77 $241,275.83
Jan, 2025 15 $1,005.32 $1,011.21 $481.25 $2,497.77 $240,264.63
Feb, 2025 16 $1,001.10 $1,015.42 $481.25 $2,497.77 $239,249.21
Mar, 2025 17 $996.87 $1,019.65 $375.00 $2,391.52 $238,229.55
Apr, 2025 18 $992.62 $1,023.90 $375.00 $2,391.52 $237,205.65
May, 2025 19 $988.36 $1,028.17 $375.00 $2,391.52 $236,177.49
Jun, 2025 20 $984.07 $1,032.45 $375.00 $2,391.52 $235,145.04
Jul, 2025 21 $979.77 $1,036.75 $375.00 $2,391.52 $234,108.28
Aug, 2025 22 $975.45 $1,041.07 $375.00 $2,391.52 $233,067.21
Sep, 2025 23 $971.11 $1,045.41 $375.00 $2,391.52 $232,021.80
Oct, 2025 24 $966.76 $1,049.77 $375.00 $2,391.52 $230,972.03
Nov, 2025 25 $962.38 $1,054.14 $375.00 $2,391.52 $229,917.89
Dec, 2025 26 $957.99 $1,058.53 $375.00 $2,391.52 $228,859.36
Jan, 2026 27 $953.58 $1,062.94 $375.00 $2,391.52 $227,796.42
Feb, 2026 28 $949.15 $1,067.37 $375.00 $2,391.52 $226,729.05
Mar, 2026 29 $944.70 $1,071.82 $375.00 $2,391.52 $225,657.23
Apr, 2026 30 $940.24 $1,076.29 $375.00 $2,391.52 $224,580.94
May, 2026 31 $935.75 $1,080.77 $375.00 $2,391.52 $223,500.17
Jun, 2026 32 $931.25 $1,085.27 $375.00 $2,391.52 $222,414.90
Jul, 2026 33 $926.73 $1,089.80 $375.00 $2,391.52 $221,325.10
Aug, 2026 34 $922.19 $1,094.34 $375.00 $2,391.52 $220,230.77
Sep, 2026 35 $917.63 $1,098.90 $375.00 $2,391.52 $219,131.87
Oct, 2026 36 $913.05 $1,103.47 $375.00 $2,391.52 $218,028.40
Nov, 2026 37 $908.45 $1,108.07 $375.00 $2,391.52 $216,920.33
Dec, 2026 38 $903.83 $1,112.69 $375.00 $2,391.52 $215,807.64
Jan, 2027 39 $899.20 $1,117.33 $375.00 $2,391.52 $214,690.31
Feb, 2027 40 $894.54 $1,121.98 $375.00 $2,391.52 $213,568.33
Mar, 2027 41 $889.87 $1,126.66 $375.00 $2,391.52 $212,441.67
Apr, 2027 42 $885.17 $1,131.35 $375.00 $2,391.52 $211,310.32
May, 2027 43 $880.46 $1,136.06 $375.00 $2,391.52 $210,174.26
Jun, 2027 44 $875.73 $1,140.80 $375.00 $2,391.52 $209,033.46
Jul, 2027 45 $870.97 $1,145.55 $375.00 $2,391.52 $207,887.91
Aug, 2027 46 $866.20 $1,150.32 $375.00 $2,391.52 $206,737.59
Sep, 2027 47 $861.41 $1,155.12 $375.00 $2,391.52 $205,582.47
Oct, 2027 48 $856.59 $1,159.93 $375.00 $2,391.52 $204,422.54
Nov, 2027 49 $851.76 $1,164.76 $375.00 $2,391.52 $203,257.78
Dec, 2027 50 $846.91 $1,169.62 $375.00 $2,391.52 $202,088.16
Jan, 2028 51 $842.03 $1,174.49 $375.00 $2,391.52 $200,913.67
Feb, 2028 52 $837.14 $1,179.38 $375.00 $2,391.52 $199,734.29
Mar, 2028 53 $832.23 $1,184.30 $375.00 $2,391.52 $198,549.99
Apr, 2028 54 $827.29 $1,189.23 $375.00 $2,391.52 $197,360.76
May, 2028 55 $822.34 $1,194.19 $375.00 $2,391.52 $196,166.57
Jun, 2028 56 $817.36 $1,199.16 $375.00 $2,391.52 $194,967.41
Jul, 2028 57 $812.36 $1,204.16 $375.00 $2,391.52 $193,763.25
Aug, 2028 58 $807.35 $1,209.18 $375.00 $2,391.52 $192,554.07
Sep, 2028 59 $802.31 $1,214.22 $375.00 $2,391.52 $191,339.86
Oct, 2028 60 $797.25 $1,219.27 $375.00 $2,391.52 $190,120.58
Nov, 2028 61 $792.17 $1,224.35 $375.00 $2,391.52 $188,896.23
Dec, 2028 62 $787.07 $1,229.46 $375.00 $2,391.52 $187,666.77
Jan, 2029 63 $781.94 $1,234.58 $375.00 $2,391.52 $186,432.19
Feb, 2029 64 $776.80 $1,239.72 $375.00 $2,391.52 $185,192.47
Mar, 2029 65 $771.64 $1,244.89 $375.00 $2,391.52 $183,947.58
Apr, 2029 66 $766.45 $1,250.08 $375.00 $2,391.52 $182,697.51
May, 2029 67 $761.24 $1,255.28 $375.00 $2,391.52 $181,442.22
Jun, 2029 68 $756.01 $1,260.51 $375.00 $2,391.52 $180,181.71
Jul, 2029 69 $750.76 $1,265.77 $375.00 $2,391.52 $178,915.94
Aug, 2029 70 $745.48 $1,271.04 $375.00 $2,391.52 $177,644.90
Sep, 2029 71 $740.19 $1,276.34 $375.00 $2,391.52 $176,368.56
Oct, 2029 72 $734.87 $1,281.65 $375.00 $2,391.52 $175,086.91
Nov, 2029 73 $729.53 $1,286.99 $375.00 $2,391.52 $173,799.91
Dec, 2029 74 $724.17 $1,292.36 $375.00 $2,391.52 $172,507.56
Jan, 2030 75 $718.78 $1,297.74 $375.00 $2,391.52 $171,209.81
Feb, 2030 76 $713.37 $1,303.15 $375.00 $2,391.52 $169,906.66
Mar, 2030 77 $707.94 $1,308.58 $375.00 $2,391.52 $168,598.08
Apr, 2030 78 $702.49 $1,314.03 $375.00 $2,391.52 $167,284.05
May, 2030 79 $697.02 $1,319.51 $375.00 $2,391.52 $165,964.55
Jun, 2030 80 $691.52 $1,325.00 $375.00 $2,391.52 $164,639.54
Jul, 2030 81 $686.00 $1,330.53 $375.00 $2,391.52 $163,309.02
Aug, 2030 82 $680.45 $1,336.07 $375.00 $2,391.52 $161,972.95
Sep, 2030 83 $674.89 $1,341.64 $375.00 $2,391.52 $160,631.31
Oct, 2030 84 $669.30 $1,347.23 $375.00 $2,391.52 $159,284.08
Nov, 2030 85 $663.68 $1,352.84 $375.00 $2,391.52 $157,931.24
Dec, 2030 86 $658.05 $1,358.48 $375.00 $2,391.52 $156,572.77
Jan, 2031 87 $652.39 $1,364.14 $375.00 $2,391.52 $155,208.63
Feb, 2031 88 $646.70 $1,369.82 $375.00 $2,391.52 $153,838.81
Mar, 2031 89 $641.00 $1,375.53 $375.00 $2,391.52 $152,463.28
Apr, 2031 90 $635.26 $1,381.26 $375.00 $2,391.52 $151,082.02
May, 2031 91 $629.51 $1,387.02 $375.00 $2,391.52 $149,695.00
Jun, 2031 92 $623.73 $1,392.79 $375.00 $2,391.52 $148,302.21
Jul, 2031 93 $617.93 $1,398.60 $375.00 $2,391.52 $146,903.61
Aug, 2031 94 $612.10 $1,404.43 $375.00 $2,391.52 $145,499.19
Sep, 2031 95 $606.25 $1,410.28 $375.00 $2,391.52 $144,088.91
Oct, 2031 96 $600.37 $1,416.15 $375.00 $2,391.52 $142,672.76
Nov, 2031 97 $594.47 $1,422.05 $375.00 $2,391.52 $141,250.70
Dec, 2031 98 $588.54 $1,427.98 $375.00 $2,391.52 $139,822.72
Jan, 2032 99 $582.59 $1,433.93 $375.00 $2,391.52 $138,388.79
Feb, 2032 100 $576.62 $1,439.90 $375.00 $2,391.52 $136,948.89
Mar, 2032 101 $570.62 $1,445.90 $375.00 $2,391.52 $135,502.99
Apr, 2032 102 $564.60 $1,451.93 $375.00 $2,391.52 $134,051.06
May, 2032 103 $558.55 $1,457.98 $375.00 $2,391.52 $132,593.08
Jun, 2032 104 $552.47 $1,464.05 $375.00 $2,391.52 $131,129.03
Jul, 2032 105 $546.37 $1,470.15 $375.00 $2,391.52 $129,658.87
Aug, 2032 106 $540.25 $1,476.28 $375.00 $2,391.52 $128,182.60
Sep, 2032 107 $534.09 $1,482.43 $375.00 $2,391.52 $126,700.17
Oct, 2032 108 $527.92 $1,488.61 $375.00 $2,391.52 $125,211.56
Nov, 2032 109 $521.71 $1,494.81 $375.00 $2,391.52 $123,716.75
Dec, 2032 110 $515.49 $1,501.04 $375.00 $2,391.52 $122,215.71
Jan, 2033 111 $509.23 $1,507.29 $375.00 $2,391.52 $120,708.42
Feb, 2033 112 $502.95 $1,513.57 $375.00 $2,391.52 $119,194.85
Mar, 2033 113 $496.65 $1,519.88 $375.00 $2,391.52 $117,674.97
Apr, 2033 114 $490.31 $1,526.21 $375.00 $2,391.52 $116,148.76
May, 2033 115 $483.95 $1,532.57 $375.00 $2,391.52 $114,616.19
Jun, 2033 116 $477.57 $1,538.96 $375.00 $2,391.52 $113,077.23
Jul, 2033 117 $471.16 $1,545.37 $375.00 $2,391.52 $111,531.87
Aug, 2033 118 $464.72 $1,551.81 $375.00 $2,391.52 $109,980.06
Sep, 2033 119 $458.25 $1,558.27 $375.00 $2,391.52 $108,421.78
Oct, 2033 120 $451.76 $1,564.77 $375.00 $2,391.52 $106,857.02
Nov, 2033 121 $445.24 $1,571.29 $375.00 $2,391.52 $105,285.73
Dec, 2033 122 $438.69 $1,577.83 $375.00 $2,391.52 $103,707.90
Jan, 2034 123 $432.12 $1,584.41 $375.00 $2,391.52 $102,123.49
Feb, 2034 124 $425.51 $1,591.01 $375.00 $2,391.52 $100,532.48
Mar, 2034 125 $418.89 $1,597.64 $375.00 $2,391.52 $98,934.84
Apr, 2034 126 $412.23 $1,604.30 $375.00 $2,391.52 $97,330.55
May, 2034 127 $405.54 $1,610.98 $375.00 $2,391.52 $95,719.57
Jun, 2034 128 $398.83 $1,617.69 $375.00 $2,391.52 $94,101.88
Jul, 2034 129 $392.09 $1,624.43 $375.00 $2,391.52 $92,477.44
Aug, 2034 130 $385.32 $1,631.20 $375.00 $2,391.52 $90,846.24
Sep, 2034 131 $378.53 $1,638.00 $375.00 $2,391.52 $89,208.24
Oct, 2034 132 $371.70 $1,644.82 $375.00 $2,391.52 $87,563.42
Nov, 2034 133 $364.85 $1,651.68 $375.00 $2,391.52 $85,911.75
Dec, 2034 134 $357.97 $1,658.56 $375.00 $2,391.52 $84,253.19
Jan, 2035 135 $351.05 $1,665.47 $375.00 $2,391.52 $82,587.72
Feb, 2035 136 $344.12 $1,672.41 $375.00 $2,391.52 $80,915.31
Mar, 2035 137 $337.15 $1,679.38 $375.00 $2,391.52 $79,235.93
Apr, 2035 138 $330.15 $1,686.37 $375.00 $2,391.52 $77,549.56
May, 2035 139 $323.12 $1,693.40 $375.00 $2,391.52 $75,856.16
Jun, 2035 140 $316.07 $1,700.46 $375.00 $2,391.52 $74,155.70
Jul, 2035 141 $308.98 $1,707.54 $375.00 $2,391.52 $72,448.16
Aug, 2035 142 $301.87 $1,714.66 $375.00 $2,391.52 $70,733.50
Sep, 2035 143 $294.72 $1,721.80 $375.00 $2,391.52 $69,011.70
Oct, 2035 144 $287.55 $1,728.97 $375.00 $2,391.52 $67,282.73
Nov, 2035 145 $280.34 $1,736.18 $375.00 $2,391.52 $65,546.55
Dec, 2035 146 $273.11 $1,743.41 $375.00 $2,391.52 $63,803.14
Jan, 2036 147 $265.85 $1,750.68 $375.00 $2,391.52 $62,052.46
Feb, 2036 148 $258.55 $1,757.97 $375.00 $2,391.52 $60,294.49
Mar, 2036 149 $251.23 $1,765.30 $375.00 $2,391.52 $58,529.19
Apr, 2036 150 $243.87 $1,772.65 $375.00 $2,391.52 $56,756.54
May, 2036 151 $236.49 $1,780.04 $375.00 $2,391.52 $54,976.50
Jun, 2036 152 $229.07 $1,787.45 $375.00 $2,391.52 $53,189.05
Jul, 2036 153 $221.62 $1,794.90 $375.00 $2,391.52 $51,394.14
Aug, 2036 154 $214.14 $1,802.38 $375.00 $2,391.52 $49,591.76
Sep, 2036 155 $206.63 $1,809.89 $375.00 $2,391.52 $47,781.87
Oct, 2036 156 $199.09 $1,817.43 $375.00 $2,391.52 $45,964.44
Nov, 2036 157 $191.52 $1,825.01 $375.00 $2,391.52 $44,139.43
Dec, 2036 158 $183.91 $1,832.61 $375.00 $2,391.52 $42,306.82
Jan, 2037 159 $176.28 $1,840.25 $375.00 $2,391.52 $40,466.58
Feb, 2037 160 $168.61 $1,847.91 $375.00 $2,391.52 $38,618.66
Mar, 2037 161 $160.91 $1,855.61 $375.00 $2,391.52 $36,763.05
Apr, 2037 162 $153.18 $1,863.34 $375.00 $2,391.52 $34,899.71
May, 2037 163 $145.42 $1,871.11 $375.00 $2,391.52 $33,028.60
Jun, 2037 164 $137.62 $1,878.90 $375.00 $2,391.52 $31,149.69
Jul, 2037 165 $129.79 $1,886.73 $375.00 $2,391.52 $29,262.96
Aug, 2037 166 $121.93 $1,894.59 $375.00 $2,391.52 $27,368.37
Sep, 2037 167 $114.03 $1,902.49 $375.00 $2,391.52 $25,465.88
Oct, 2037 168 $106.11 $1,910.42 $375.00 $2,391.52 $23,555.46
Nov, 2037 169 $98.15 $1,918.38 $375.00 $2,391.52 $21,637.09
Dec, 2037 170 $90.15 $1,926.37 $375.00 $2,391.52 $19,710.72
Jan, 2038 171 $82.13 $1,934.40 $375.00 $2,391.52 $17,776.32
Feb, 2038 172 $74.07 $1,942.46 $375.00 $2,391.52 $15,833.86
Mar, 2038 173 $65.97 $1,950.55 $375.00 $2,391.52 $13,883.32
Apr, 2038 174 $57.85 $1,958.68 $375.00 $2,391.52 $11,924.64
May, 2038 175 $49.69 $1,966.84 $375.00 $2,391.52 $9,957.80
Jun, 2038 176 $41.49 $1,975.03 $375.00 $2,391.52 $7,982.77
Jul, 2038 177 $33.26 $1,983.26 $375.00 $2,391.52 $5,999.51
Aug, 2038 178 $25.00 $1,991.53 $375.00 $2,391.52 $4,007.98
Sep, 2038 179 $16.70 $1,999.82 $375.00 $2,391.52 $2,008.16
Oct, 2038 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 Oct, 2038 Mar, 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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