Mortgage payment chart
Look up the principal and interest payment for any loan amount and rate in the charts below, then use the calculator to add taxes, insurance and PMI.
Amortization schedule
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $3,576.76 | $20,694.68 | $316,423.24 |
| 2 | $3,816.28 | $20,455.16 | $312,606.96 |
| 3 | $4,071.88 | $20,199.56 | $308,535.08 |
| 4 | $4,344.57 | $19,926.87 | $304,190.51 |
| 5 | $4,635.54 | $19,635.90 | $299,554.97 |
| 6 | $4,946.00 | $19,325.44 | $294,608.97 |
| 7 | $5,277.22 | $18,994.22 | $289,331.75 |
| 8 | $5,630.65 | $18,640.79 | $283,701.10 |
| 9 | $6,007.75 | $18,263.69 | $277,693.35 |
| 10 | $6,410.11 | $17,861.33 | $271,283.24 |
| 11 | $6,839.41 | $17,432.03 | $264,443.83 |
| 12 | $7,297.46 | $16,973.98 | $257,146.37 |
| 13 | $7,786.17 | $16,485.27 | $249,360.20 |
| 14 | $8,307.62 | $15,963.82 | $241,052.58 |
| 15 | $8,864.02 | $15,407.42 | $232,188.56 |
| 16 | $9,457.63 | $14,813.81 | $222,730.93 |
| 17 | $10,091.05 | $14,180.39 | $212,639.88 |
| 18 | $10,766.86 | $13,504.58 | $201,873.02 |
| 19 | $11,487.93 | $12,783.51 | $190,385.09 |
| 20 | $12,257.30 | $12,014.14 | $178,127.79 |
| 21 | $13,078.20 | $11,193.24 | $165,049.59 |
| 22 | $13,954.06 | $10,317.38 | $151,095.53 |
| 23 | $14,888.61 | $9,382.83 | $136,206.92 |
| 24 | $15,885.71 | $8,385.73 | $120,321.21 |
| 25 | $16,949.60 | $7,321.84 | $103,371.61 |
| 26 | $18,084.76 | $6,186.68 | $85,286.85 |
| 27 | $19,295.92 | $4,975.52 | $65,990.93 |
| 28 | $20,588.22 | $3,683.22 | $45,402.71 |
| 29 | $21,967.04 | $2,304.40 | $23,435.67 |
| 30 | $23,435.67 | $833.21 | $0.00 |
30-year mortgage payment chart (principal & interest)
Principal and interest only. Add property tax, homeowners insurance, HOA dues and PMI (if your down payment is under 20%) for the full monthly cost, which the calculator above does.
| Loan amount | 5.5% | 6% | 6.5% | 7% | 7.5% |
|---|---|---|---|---|---|
| $100,000 | $567.79 | $599.55 | $632.07 | $665.30 | $699.21 |
| $150,000 | $851.68 | $899.33 | $948.10 | $997.95 | $1,048.82 |
| $200,000 | $1,135.58 | $1,199.10 | $1,264.14 | $1,330.60 | $1,398.43 |
| $250,000 | $1,419.47 | $1,498.88 | $1,580.17 | $1,663.26 | $1,748.04 |
| $300,000 | $1,703.37 | $1,798.65 | $1,896.20 | $1,995.91 | $2,097.64 |
| $350,000 | $1,987.26 | $2,098.43 | $2,212.24 | $2,328.56 | $2,447.25 |
| $400,000 | $2,271.16 | $2,398.20 | $2,528.27 | $2,661.21 | $2,796.86 |
| $450,000 | $2,555.05 | $2,697.98 | $2,844.31 | $2,993.86 | $3,146.47 |
| $500,000 | $2,838.95 | $2,997.75 | $3,160.34 | $3,326.51 | $3,496.07 |
| $600,000 | $3,406.73 | $3,597.30 | $3,792.41 | $3,991.81 | $4,195.29 |
| $700,000 | $3,974.52 | $4,196.85 | $4,424.48 | $4,657.12 | $4,894.50 |
| $800,000 | $4,542.31 | $4,796.40 | $5,056.54 | $5,322.42 | $5,593.72 |
| $1,000,000 | $5,677.89 | $5,995.51 | $6,320.68 | $6,653.02 | $6,992.15 |
15-year mortgage payment chart (principal & interest)
Fifteen-year loans often carry a lower rate than 30-year loans, so check the lower end of each range. The payment is higher, but the total interest is far lower.
| Loan amount | 5.5% | 6% | 6.5% | 7% | 7.5% |
|---|---|---|---|---|---|
| $100,000 | $817.08 | $843.86 | $871.11 | $898.83 | $927.01 |
| $150,000 | $1,225.63 | $1,265.79 | $1,306.66 | $1,348.24 | $1,390.52 |
| $200,000 | $1,634.17 | $1,687.71 | $1,742.21 | $1,797.66 | $1,854.02 |
| $250,000 | $2,042.71 | $2,109.64 | $2,177.77 | $2,247.07 | $2,317.53 |
| $300,000 | $2,451.25 | $2,531.57 | $2,613.32 | $2,696.48 | $2,781.04 |
| $350,000 | $2,859.79 | $2,953.50 | $3,048.88 | $3,145.90 | $3,244.54 |
| $400,000 | $3,268.33 | $3,375.43 | $3,484.43 | $3,595.31 | $3,708.05 |
| $450,000 | $3,676.88 | $3,797.36 | $3,919.98 | $4,044.73 | $4,171.56 |
| $500,000 | $4,085.42 | $4,219.28 | $4,355.54 | $4,494.14 | $4,635.06 |
| $600,000 | $4,902.50 | $5,063.14 | $5,226.64 | $5,392.97 | $5,562.07 |
| $700,000 | $5,719.58 | $5,907.00 | $6,097.75 | $6,291.80 | $6,489.09 |
| $800,000 | $6,536.67 | $6,750.85 | $6,968.86 | $7,190.63 | $7,416.10 |
| $1,000,000 | $8,170.83 | $8,438.57 | $8,711.07 | $8,988.28 | $9,270.12 |
Frequently asked questions
What is the monthly payment on a $320,000 mortgage?
At 6.5% over 30 years, principal and interest on $320,000 is $2,022.62. With the estimated tax, insurance, HOA and PMI above, the total comes to about $2,514.29 a month.
What is included in a monthly mortgage payment?
Principal and interest are the loan itself. Many lenders also collect property tax and homeowners insurance in escrow, and charge PMI if your down payment is under 20%. HOA dues are paid separately.
How can I pay off my mortgage faster?
Add extra principal each month, make one extra payment a year, or refinance to a shorter term. Use the extra payment field above to see the interest you would save.
Are these numbers a loan offer?
No. They are estimates from standard formulas. Your lender’s quote can differ because of fees, rounding, escrow and your credit profile.
Related calculators
Estimates from standard loan formulas, not a loan offer or financial advice. Example rates are assumptions: use your own quote.