For some test data, use can use the mortgage calculator on this web page: http://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx Here are a few test cases (the same results you get from the web page above) Amount years interest rate (%) monthly payment 145000 30 4.50 734.69 75000 15 8.72 748.26 245100 20 7.13 1919.43 97025 10 3.82 974.05 100000 17 12.00 1151.22