15 vs 30 Year Mortgage Total Cost Calculator
Compare P&I and total interest for two fixed terms at the same interest rate.
Results
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Assumptions
- Same principal and rate for both terms.
- No refinance, extra payments, or escrow items.
How it works
Standard amortization for each term length; interest is summed until payoff.
FAQ
Can I change 15 and 30?
Yes — enter any short/long year pair (e.g. 20 vs 30).
Is this a lender quote?
No — educational estimate using your inputs.
Do you store my numbers?
No account; calculations run in your browser.
Related calculators
Estimates only. See Disclaimer.