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Is a 15-year or 30-year mortgage better?
A 15-year mortgage has higher monthly payments but you pay significantly less total interest. A 30-year mortgage is easier on monthly cash flow but costs more over time.
Calculate your monthly mortgage payment instantly, including principal, interest, and get your personalized Worth It Score.
Use the Mortgage Payment Calculator →By Sean Baldwin · Last reviewed July 2026 · Part of the Mortgage Payment Calculator guide.