Calcolatrice mutuo
The detailed guide below is currently available in English.
How this mortgage calculator works
This calculator uses the standard amortization formula. Given a loan amount, an annual interest rate, and a term in months, the fixed monthly principal-and-interest payment is:
Payment = P × r / (1 − (1 + r)−n)
where P is the loan amount, r is the monthly rate (annual rate ÷ 12), and n is the number of monthly payments. Tick "Include Taxes & Costs Below" to add recurring housing costs and see the full out-of-pocket monthly picture, plus a breakdown of where each dollar goes.
Tips for using the result
- A down payment of 20% or more usually avoids private mortgage insurance (PMI) entirely.
- Switch the down payment between percent and dollars to match how you think about the deal.
- Comparing a 15-year and a 30-year term shows the tradeoff clearly: shorter terms have higher monthly payments but far less total interest — check the "Total of N Mortgage Payments" line.
Domande frequenti
Does this calculator include escrow?
Yes — enable "Include Taxes & Costs Below" and enter your yearly property tax and insurance amounts. Most lenders collect these monthly alongside principal and interest in an escrow account.
What is PMI and when can I stop paying it?
Private mortgage insurance protects the lender when your down payment is under 20%. It usually can be removed once your loan balance reaches about 80% of the home's original value.
Why is my early interest payment so high?
With an amortizing loan, interest is charged on the remaining balance each month. Early in the loan the balance is largest, so most of each payment is interest. The yearly schedule below shows how that shifts over time.