30-Year Mortgage Calculator
Calculate your monthly payment on a 30-year fixed-rate mortgage.
Files processed in your browser — never uploaded to our serversFrequently Asked Questions
Mortgage rates change daily. As of 2025, 30-year fixed rates have been between 6–7.5%. Check LendingTree or Bankrate for current rates.
A $300,000 mortgage at 6.5% for 30 years has a monthly payment of $1,896.20. Total interest paid over 30 years is $382,632.
A 30-year mortgage offers the lowest monthly payment. It's ideal if you value cash flow flexibility. The trade-off is paying significantly more interest vs. a 15-year mortgage.
Yes, most 30-year mortgages allow extra payments. Even $100/month extra can shave years off your loan and save tens of thousands in interest.