Enter a home price, down payment and rate to see your full monthly mortgage payment — principal and interest plus property tax, homeowners insurance, PMI and HOA dues — and how much interest you will pay over the life of the loan. How the monthly payment is calculated Principal and interest use the standard amortization formula: M = P × r(1+r) n / ((1+r) n − 1) , where P is the loan amount, r the monthly rate (APR ÷ 12) and n the number of payments. Property tax, insurance, PMI and HOA are then added on top, because most lenders collect them in the same monthly bill through escrow. Monthly payment by home price 20% down, 6.25% fixed for 30 years, 1.1% property tax and $1,800/yr insurance. Home price Loan amount Principal & interest Total monthly Total interest $300,000 $240,000 $1,477.72 $1,902.72 $291,980 $400,000 $320,000 $1,970.30 $2,486.96 $389,306 $500,000 $400,000 $2,462.87 $3,071.20 $486,633 $750,000 $600,000 $3,694.30 $4,531.80 $729,9...

Turn your salary or hourly wage into take-home pay per paycheck . The calculator uses the 2026 federal tax brackets and standard deduction, Social Security and Medicare, your 401(k) and pre-tax benefits, and an approximate state rate. What comes out of your paycheck Deduction 2026 rate Federal income tax 10% to 37% (progressive brackets) Social Security 6.2% on wages up to $184,500 Medicare 1.45% (+0.9% above $200,000) State income tax 0% to about 13%, by state 401(k) / health premiums Pre-tax, lowers taxable income 2026 standard deduction Filing status Standard deduction Single $16,100 Married filing jointly $32,200 Head of household $24,150 Biweekly take-home pay by salary Single filer, no state income tax (e.g. Texas or Florida), no 401(k) or benefits. Salary Federal tax FICA Take-home per check Yearly take-home $40,000 $100.77 $117.69 $1,320.00 $34,320 $60,000 $193.08 $176.54 $1,938.08 $50,390 $75,000 $295.00 $220.67 $2,368.94 $61,593 $100,000 $506.54 $294.23 ...

For personal loans, student loans or any fixed-rate installment loan: enter the amount, APR and term to see the monthly payment, total interest and payoff date . Example loan payments at 9% APR Loan amount Term Monthly payment Total interest $5,000 3 yr $159.00 $724 $10,000 5 yr $207.58 $2,455 $20,000 5 yr $415.17 $4,910 $30,000 7 yr $482.67 $10,544 How to pay less interest Interest is charged on the remaining balance every month, so anything that shrinks the balance sooner saves money: a shorter term, a lower rate, or extra payments toward principal. Even one extra payment a year can take months off a five-year loan. Frequently asked questions What is the difference between APR and interest rate? The interest rate is the cost of borrowing the principal. APR adds most lender fees, such as origination fees, so it is the better number for comparing offers. Does paying early reduce interest? Yes, on simple-interest installment loans. Check that your loan has no prepayment pe...