Free tools · WinWealth
Mortgage Calculator
Compare the whole housing payment, not just the loan.
Monthly payment
$2,572.62
Total home cost includes down payment and all scheduled payments. Taxes, insurance, HOA and PMI are held constant for the loan term; actual PMI cancellation can reduce costs.
Principal vs. interest
Estimates only. Actual rates, taxes, fees, and terms vary by lender. Not financial advice.
Why it matters
A mortgage payment can include principal, interest, property taxes, insurance, homeowners association fees and private mortgage insurance. Separating these costs makes a home purchase easier to compare with your monthly income. The estimate is a starting point for a lender conversation, not a borrowing recommendation.
How it works
Enter the home price, down payment and annual interest rate, then choose a term. Switch down payment and property tax between dollars and percentages. PMI is suggested below 20% down but can be edited. The chart shows how payments gradually shift from interest toward principal.
A worked example
For example, a $400,000 home with 20% down and a 30-year loan at 6.5% has about $2,022.62 in monthly principal and interest. With $4,800 annual property tax and $1,800 insurance, the estimate becomes $2,572.62. Adding $200 monthly principal saves roughly 79 months. Costs are held constant; lender fees and actual PMI cancellation can change your result.
Frequently asked questions
Is this free to use?
Yes. WinWealth is free for the Sovereign Wealth community, and this public page needs no access code.
Does the calculation predict my actual result?
No. It is a planning estimate using your inputs and stated assumptions. Actual rates, taxes, fees and returns can differ.
Can I save my results?
Open WinWealth through the access screen to keep your own records. Public calculator inputs are not saved.