Mortgage Calculators

APR Mortgage calculator

Your note rate ignores fees; the APR folds them in. Enter your points and closing fees to see the true annual cost of your mortgage.

Inputs

Loan amount

Note interest rate

Loan term (years)

Discount points

Other closing fees

Estimates only. Change any value to recalculate instantly.

Effective APR 6.679% versus a 6.50% note rate

Note rate 6.50%

APR 6.679%

Points cost $3,000

Total fees $5,500

Upfront cost

Points $3.0k
Other fees $2.5k

Loan balance Balance

The APR of 6.679% spreads your $5,500 of upfront costs across the loan, making it the best single number for comparing offers with different rates and fees. Your actual payment of $1,896.20 is still based on the note rate.

Yearly amortizationView table

Year	Principal	Interest	Balance
1	$3,353	$19,401	$296,647
2	$3,578	$19,177	$293,069
3	$3,817	$18,937	$289,252
4	$4,073	$18,681	$285,179
5	$4,346	$18,409	$280,833
6	$4,637	$18,118	$276,196
7	$4,947	$17,807	$271,249
8	$5,279	$17,476	$265,970
9	$5,632	$17,122	$260,338
10	$6,009	$16,745	$254,328
11	$6,412	$16,343	$247,916
12	$6,841	$15,913	$241,075
13	$7,299	$15,455	$233,776
14	$7,788	$14,966	$225,987
15	$8,310	$14,445	$217,677
16	$8,866	$13,888	$208,811
17	$9,460	$13,294	$199,351
18	$10,094	$12,661	$189,257
19	$10,770	$11,985	$178,487
20	$11,491	$11,263	$166,996
21	$12,261	$10,494	$154,735
22	$13,082	$9,673	$141,653
23	$13,958	$8,797	$127,695
24	$14,893	$7,862	$112,803
25	$15,890	$6,864	$96,912
26	$16,954	$5,800	$79,958
27	$18,090	$4,665	$61,868
28	$19,301	$3,453	$42,567
29	$20,594	$2,161	$21,973
30	$21,973	$781	$0

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

30-year fixed mortgage rate, 2019–2026

Source: Freddie Mac PMMS via FRED. Annual averages; latest weekly reading shown.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.