Kefiw

Archived noindex page. Kefiw's public focus is Property decision help.

Archived page

This older Kefiw page is kept for reference, marked noindex, and removed from the primary sitemap. The current Kefiw experience is focused on property decisions: cost, quotes, damage, buying, selling, owning, and packets.

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Mortgage Calculator

See your payment, total cost, and what really changes it.

Enter a home price or loan amount, rate, and term to see your monthly payment plus total interest. Add taxes, insurance, HOA, and PMI for a full housing payment — all math runs in your browser.

Part of: Saving & Spending Calculators

Enter the numbers you know below
Fields marked optional can be skipped; results update as you type
Start with:
$2,022.62/month (principal & interest) — $408,142.36 in interest over 30 years.
Monthly total
$2,022.62
Principal & interest
$2,022.62
Total interest
$408,142.36
Total paid
$728,142.36
P&I share
100%
Each 1% change in rate changes this payment by about $214.87/month.
Each extra $10,000 borrowed adds about $63.21/month.
A 15-year loan raises the monthly payment but saves about $226,384.52 in total interest vs 30 years.
Rate sensitivity
6.00% rate
  • P&I: $1,918.56
  • Interest: $370,682.20
6.50% rate
  • P&I: $2,022.62
  • Interest: $408,142.36
7.00% rate
  • P&I: $2,128.97
  • Interest: $446,428.47
What changes the loan
Current (30y)
  • P&I: $2,022.62
  • Interest: $408,142.36
Shorter (15y)
  • P&I: $2,787.54
  • Interest: $181,757.84
Loan +$10k
  • P&I: $2,085.82
  • Interest: $420,896.81
Mortgage Extra Payment Calculator →Break-even Calculator →Percentage Calculator →

How to use

  1. Enter the home price (or switch to loan-amount mode) and down payment.
  2. Enter the interest rate and term in years.
  3. Optional: open advanced options to add taxes, insurance, HOA, and PMI.

Examples

$400,000 home, 20% down, 6.5% / 30yr
Loan of $320,000 → about $2,022.62/month P&I, $407,943 in interest over 30 years.
Effect of +1% rate
On a $320,000 / 30yr loan, each 1% rate increase raises the payment by roughly $215/month.

Before you trust the result

Check the inputs that matter most: dates, rates, units, costs, and any optional fields you skipped. A calculator can only work with the numbers entered here, so use the result as a decision check rather than a final answer when money, health, tax, legal, or safety consequences are involved.

If the result feels surprising, change one input at a time and watch which number moves. That usually shows the real lever behind the decision.

Next up

Payment known. Now see what extra principal really saves.Mortgage Extra Payment Calculator → Rent vs. buy still open? Run the breakeven horizon.Rent vs Buy Calculator →

Frequently asked questions

› What is included in principal and interest? Definition

Just the loan repayment portion. Taxes, insurance, HOA, and PMI are housing costs that sit on top of the loan.

› Why does a longer term cost so much more? Troubleshooting

Lower monthly payments but many more months of interest. Over 30 years the interest usually exceeds the loan itself.

› Does this include PMI auto-stop?

No — v1 treats PMI as a flat monthly add for the full term. If your loan drops PMI at 80% LTV, subtract that portion manually after the breakpoint.

Tips & related reading

See the Saving & Spending Calculators hub →

Tips & how-tos

Relevant links

Related tools

Mortgage Extra Payment Calculator

See how extra payments change your payoff date and total interest. Monthly, annual, or one-time — all scenarios side by side.

Break-Even Calculator

Calculate how many units you must sell to cover fixed costs — break-even quantity and revenue.

Percentage Calculator

Calculate percentages: what is X% of Y, X is what % of Y, and % change.