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Mortgage Interest Calculator: See How Much of Your Mortgage Interest You Can Deduct in 2025

Use our Mortgage Interest Deduction Calculator to estimate how much of your mortgage interest you can write off under current 2025 IRS rules. Whether you’re itemizing or comparing standard deductions, this tool helps homeowners and real estate investors plan smarter.

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How it works

Illustration of a person at a laptop reviewing their mortgage details. The screen shows a 'Mortgage Balance' of $250,000 and 'Annual Interest Paid' of $12,000.

Enter Your Mortgage Details

Input your mortgage balance, interest rate, and payments made in 2025.

Add Your Filing Status & Total Deductions

We’ll compare your interest deduction to the standard deduction and help determine if itemizing makes sense.

llustration of a person at a laptop showing their tax filing information: 'Filing Status' is 'Single' and 'Total Deductions' are '$18,000'.
Illustration of a woman at a laptop showing a 'Deductible Interest' of $12,500, with a checkmark indicating it's a benefit.

See Your Deductible Interest Amount

Get a clear estimate of how much mortgage interest you can claim—and what it means for your tax return.

Frequently Asked Questions

This tool works for primary and secondary homes, and applies to conventional, FHA, and VA loans. For investment property interest, contact our team.

Under 2025 law, interest on up to $750,000 of mortgage debt is deductible if you itemize (or $1M for pre-2018 loans). This tool uses updated limits based on your loan type.

No—this tool estimates deductible interest only. Property taxes may be deductible separately up to $10,000.

Absolutely. The results can help you decide whether reducing your balance or timing payments makes sense before year-end.

More frequently asked questions

Homeownership Is a Tax Asset—If You Use It Strategically.

We’ll help you go beyond this estimate with a full tax plan that includes property write-offs, depreciation, and wealth-building opportunities.

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