The Mortgage Ledger

United States

US mortgage calculator

Your monthly payment — principal & interest, property tax, and insurance — using the live US national average rate.

Loan details

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▸ Advanced options

Paid straight to principal each month — see the interest and time it saves in the results.

Understanding your numbers before you sign.

A mortgage is likely the largest financial commitment of your life. The Mortgage Ledger was built so you can explore what that commitment actually looks like — payment by payment, line by line — before you're sitting across from a lender.

Rates sourced from FRED (Federal Reserve Bank of St. Louis). Estimates only — not a loan offer.

Enter loan details to see your payment.

Save & share

Save scenarios to compare them later — they stay in this browser.

Compare scenarios

Save a scenario above, then compare it side by side with your current inputs here.

Mortgage rate trend

Past year, weekly national average

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Phase 1 preview of the new country-first structure — not yet indexed. The live site is running unchanged.