Mortgage Rate Comparison Calculator


This calculator will help you to compare monthly payments and interest costs of home mortgages at up to five interest rates simultaneously. Enter the loan details, the middle rate, how much you would like rates to increment by and we'll show you payments at related rates, helping you see when it might make sense to refinance a mortgage or how rate shifts could impact home affordability. To make comparisons simple the P&I portion of the loan are shown while other common homeownership expenses are offered as optional inputs. If you do not want to include these other inputs set them to zero. All loans in this calculator use the same loan term. If you would like to compare payments across different loan terms please use our mortgage term comparison calculator.

Your Mortgage Info

Home price ($):
Down Payment ($):
Mortgage principal ($):
Mortgage term in years:
Reference interest rate (APR %):
Increment comparison rates by:

Other Homeownership Costs

Property mortgage insurance (PMI):
Annual property taxes:
Annual homeowners insurance:
Monthly repairs:
Monthly HOA:

Your Results

Interest Rates: % % % % %
Monthly P&I payment:
Other monthly fees:
Total monthly payment:
Total principal:
Total interest:
Total P&I payments:
Total payments:

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