Calculatrice Hypothécaire

Estimez votre mensualité hypothécaire, les intérêts totaux et le tableau d'amortissement. Ajustez apport, taux et durée pour voir ce que vous payez — gratuit et instantané.

Prix du logement$

Apport initial%

Avec 20 % ou plus, l'assurance PMI est généralement évitée

Taux d'intérêt (TAEG)%

Durée du prêtyears

Mensualité

$1,517

Détail

Montant du prêt: $240,000
Intérêts totaux: $306,107
Coût total: $546,107

Dernière mise à jour: 2026-08-30

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FAQ

Comment la mensualité d'un prêt immobilier est-elle calculée ?

Un prêt amortissable utilise la formule M = P·r(1+r)^n/((1+r)^n−1), où P est le montant du prêt, r le taux mensuel (TAEG ÷ 12) et n le nombre de mensualités. Chaque mensualité couvre d'abord les intérêts du mois, le reste amortit le capital.

Les taxes et assurances sont-elles incluses ?

Non. Le calcul couvre uniquement capital et intérêts. Taxe foncière, assurances et charges de copropriété varient selon la localisation et le prêteur — prévoyez-les en plus dans votre budget.

Mieux vaut un prêt sur 15 ou 30 ans ?

Sur 15 ans, le taux est généralement plus bas et les intérêts totaux bien moindres, mais la mensualité est plus élevée. Sur 30 ans, la mensualité est plus légère et libère du flux de trésorerie, au prix de plus d'intérêts. Comparez avec le curseur de durée.

Quel apport initial dois-je prévoir ?

Beaucoup de prêts acceptent dès 3–5 %, mais avec 20 % ou plus vous évitez généralement l'assurance PMI et réduisez la mensualité. L'apport réduit directement le montant du prêt dans cette calculatrice.

Mortgage Calculator: Estimate Your Monthly Home Loan Payment

Buying a home is the largest financial decision most people ever make, and the monthly mortgage payment is the number that determines whether a home is truly affordable. This free mortgage calculator estimates your monthly payment, total interest cost, and payoff schedule in real time, so you can compare prices, down payments, interest rates, and loan terms before you talk to a lender.

How the Mortgage Calculator Works

The calculator uses the standard amortization formula that lenders use for fixed-rate mortgages:

M = P × r(1+r)^n / ((1+r)^n − 1)

Where:

M — the monthly payment
P — the loan principal (home price minus your down payment)
r — the monthly interest rate (annual APR divided by 12)
n — the total number of monthly payments (loan term in years × 12)

Every fixed-rate mortgage payment is split into two parts: interest and principal. In the early years, interest takes the largest share because the outstanding balance is at its biggest. As you pay the balance down, a larger slice of each payment chips away at principal — this shift is called amortization, and the chart above visualizes exactly how your remaining balance falls over the life of the loan.

What the Calculator Includes (and Excludes)

This tool computes principal and interest (P&I) — the core of every mortgage quote. It intentionally excludes costs that vary widely by location:

Property taxes — often 0.5–2.5% of home value per year
Homeowners insurance — typically $1,000–$3,000 annually
HOA or condo fees — where applicable
PMI — required when your down payment is under 20%

Lenders bundle all of these into what they call PITI (Principal, Interest, Taxes, Insurance). When budgeting, add these local costs to the P&I result shown above.

Worked Example

Suppose you are buying a $300,000 home with a 20% down payment ($60,000) at a 6.5% APR on a 30-year term:

Loan principal: $300,000 − $60,000 = $240,000
Monthly rate: 6.5% ÷ 12 = 0.5417%
Number of payments: 30 × 12 = 360

The calculator returns a monthly P&I payment of approximately $1,517. Over 30 years you would pay about $306,000 in interest — more than the loan itself. That is why even a small rate reduction or a slightly shorter term matters enormously.

Try moving the term slider from 30 years to 15 years: the payment rises, but total interest often falls by half or more.

How Your Down Payment Changes Everything

The down payment is the single most powerful lever you control:

20% or more — avoids PMI entirely and shrinks the loan, lowering both payment and total interest
10–19% — lower upfront cash, but expect PMI of roughly 0.3–1.5% of the loan per year until you reach 20% equity
3–5% — minimum for many conventional and FHA programs; PMI lasts longer and interest costs more

15-Year vs. 30-Year Terms

A 15-year mortgage almost always carries a rate 0.5–1 percentage point below a 30-year loan, and the compressed schedule slashes total interest. The trade-off is a monthly payment typically 40–60% higher. A practical strategy: take the 30-year loan for flexibility, then pay extra principal whenever you can — extra payments on a fixed-rate mortgage are always optional and directly reduce future interest.

Tips for Getting a Better Mortgage Rate

Raise your credit score — above 760 unlocks the best pricing tiers
Compare at least three lenders — rates and fees vary surprisingly widely
Reduce your debt-to-income ratio — pay down car loans and card balances before applying
Buy points carefully — paying discount fees makes sense only if you keep the loan past the break-even point
Lock your rate when timing is right — rates move daily

Frequently Asked Questions

The FAQ section under the calculator answers the most common questions borrowers ask, including how payments are calculated, whether taxes and insurance are included, and how much down payment is ideal for your situation.

Disclaimer

This calculator provides mathematical estimates only and is not financial advice, a loan offer, or a pre-approval. Actual rates, fees, and eligibility depend on your credit profile, income, property type, and lender policies. Always consult a licensed mortgage professional before making housing decisions.