Mortgage Calculator
Estimate your monthly mortgage payment — principal, interest, tax, and insurance.
About Mortgage Calculator
A mortgage calculator with taxes and insurance estimates your monthly PITI payment — principal, interest, property tax, and home insurance. Enter the home price, down payment, interest rate, and term, plus optional yearly property tax and insurance, and it breaks down your monthly principal and interest, taxes, and insurance, along with the total interest over the life of the loan. It updates instantly in your browser.
Frequently asked questions
- What is PITI?
- PITI stands for Principal, Interest, Taxes, and Insurance — the four parts of a typical monthly mortgage payment. This PITI calculator adds property tax and home insurance on top of your principal and interest.
- How is the monthly mortgage payment calculated?
- Principal and interest use the standard amortization formula from the loan amount (home price minus down payment), rate, and term. Monthly property tax and insurance are the yearly figures divided by twelve.
- Does the calculator include PMI or HOA fees?
- Not as separate fields — you can fold estimates for PMI or HOA dues into the insurance field. The core calculation covers principal, interest, property tax, and home insurance.
- Is this a loan offer?
- No. It's an estimate based on the numbers you enter. Actual rates, taxes, and fees vary by lender and location.
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