A mortgage payment calculator estimates fixed-rate principal-and-interest, total interest, and payoff date with optional extra principal—P&I only, not escrow or PMI.
Geben Sie Betrag, Zinssatz und Laufzeit ein. Beispiel: 15.000 € Kredit zu 6,5 % über 48 Monate ≈ 357 €/Monat; 100 € Sondertilgung monatlich verkürzen die Laufzeit oft um rund 9 Monate.
Hypothekenzahlung: Tilgung und Zinsen
Festzins-Hypothek teilt jede Rate in Zins auf Restsaldo und Tilgung. Frühe Jahre sind zinslastig—der Tilgungsplan zeigt das.
Monatliche Rate hier nur Kapital und Zins (P&I). Steuer, Versicherung, PMI bei niedriger Anzahlung und HOA separat budgetieren.
Sondertilgungen verkürzen die Laufzeit—Servicer muss sie korrekt anwenden vor aggressiver Vorauszahlung.
Leitfaden, Beispiele und Methodik
How to use this mortgage payment calculator
Enter loan amount (home price minus down payment for mortgages), annual interest rate, term in years, and optional extra monthly payment toward principal. This mortgage calculator outputs fixed-rate principal-and-interest payment, total interest over the life of the loan, and how extra payments shorten the schedule. Use it for US 30-year and 15-year mortgages, auto loans, and personal installment debt that amortizes on a standard schedule.
Example (USD): $350,000 mortgage
Scenario
Inputs
Outcome
30-year fixed
6.5% APR
~$2,212/mo P&I
15-year fixed
6.0% APR
~$2,953/mo P&I, less total interest
+$200/mo extra
On 30-year above
Pays off years earlier; five figures saved
Mortgage payment vs full housing cost
Lenders quote principal and interest (P&I). Your all-in payment adds property tax, homeowners insurance, HOA dues, and private mortgage insurance (PMI) when down payment is under 20%. This home loan calculator does not model escrow or PMI—add those manually when comparing to rent or setting a budget. For max price from income, use our mortgage affordability calculator first, then plug the loan amount here.
How we calculate amortization
Each month, interest accrues on the remaining balance at rate ÷ 12; the rest of the payment reduces principal. Extra payments in this model go 100% to principal starting the next month. We do not model ARM rate resets, interest-only periods, balloon payments, or biweekly servicer quirks—confirm prepayment application with your loan servicer.
15-year vs 30-year mortgages
A 15-year note typically carries a lower rate but a higher payment because principal retires faster. Total interest is often dramatically lower. Run both terms here with the same loan amount to see the payment gap versus lifetime interest savings—many buyers choose 30-year for cash flow then add voluntary extra principal.
When to pair with refinance math
If your rate is above current market quotes, compare break-even on our refinance savings calculator before sending large prepayments to a high-rate loan. Refinancing resets the amortization clock unless you keep the same term—closing costs matter. HELOCs and second liens are modeled separately on our HELOC payment calculator.
Common mistakes
Treating P&I as the full monthly housing cost without tax and insurance.
Assuming extra payments auto-apply to principal without confirming servicer settings.
Comparing a 7% personal loan APR to a 6.5% mortgage without reading fee disclosures.
Refinancing to lower payment while extending term and paying more lifetime interest.
Ignoring rent-vs-buy timing when the real question is whether to purchase at all.
Most US mortgages bundle principal, interest, taxes, and insurance (PITI) in escrow. This calculator shows P&I only—add tax, insurance, PMI, and HOA for the number on your monthly budget.
Wie berechne ich die monatliche Kreditrate?
Die Rate hängt von Kreditbetrag P, Jahreszins r und Laufzeit n (Monate) ab — Standard-Tilgungsformel; der Rechner rechnet sofort.
Wie viel Zinsen zahle ich insgesamt?
Gesamtzinsen = (Rate × Anzahl Raten) − Darlehenssumme. Beispiel 20.000 €, 7 %, 5 Jahre: ca. 3.761 € Zinsen.
Sparen Sondertilgungen wirklich Geld?
Ja — Sondertilgungen senken die Restschuld direkt und verkürzen die Laufzeit. Frühe Zusatzzahlungen wirken am stärksten.
Was ist der Unterschied zwischen Sollzins und effektivem Jahreszins?
Der Sollzins ist der Basiszins; der effektive Jahreszins (APR) enthält Gebühren — vergleichen Sie Kredite damit.