Mortgage Calculators

Mortgage Calculator with Taxes and Insurance

Estimate your full monthly housing payment — principal, interest, property tax, insurance and PMI (PITI).

Inputs

Home price

Down payment

Interest rate

Loan term (years)

Property tax (per year, %)

Home insurance (per year)

HOA (per month)

Estimates only. Change any value to recalculate instantly.

Total monthly payment (PITI) $2,283.69 $288,000 financed at 6.50%

Principal & interest $1,820.36

Property tax $330.00

Home insurance $133.33

PMI — not required

Where your payment goes

Principal & interest $1.8k
Taxes $330
Insurance $133
PMI $0
HOA $0

With 20% or more down, no PMI is required.

Yearly amortization (principal & interest)View table

Year	Principal	Interest	Balance
1	$3,219	$18,625	$284,781
2	$3,435	$18,410	$281,346
3	$3,665	$18,180	$277,682
4	$3,910	$17,934	$273,772
5	$4,172	$17,672	$269,600
6	$4,451	$17,393	$265,148
7	$4,749	$17,095	$260,399
8	$5,068	$16,777	$255,331
9	$5,407	$16,437	$249,924
10	$5,769	$16,075	$244,155
11	$6,155	$15,689	$238,000
12	$6,568	$15,277	$231,432
13	$7,008	$14,837	$224,425
14	$7,477	$14,367	$216,948
15	$7,978	$13,867	$208,970
16	$8,512	$13,332	$200,459
17	$9,082	$12,762	$191,377
18	$9,690	$12,154	$181,687
19	$10,339	$11,505	$171,347
20	$11,031	$10,813	$160,316
21	$11,770	$10,074	$148,546
22	$12,559	$9,286	$135,987
23	$13,400	$8,445	$122,588
24	$14,297	$7,547	$108,291
25	$15,255	$6,590	$93,036
26	$16,276	$5,568	$76,760
27	$17,366	$4,478	$59,394
28	$18,529	$3,315	$40,864
29	$19,770	$2,074	$21,094
30	$21,094	$750	$0

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

30-year fixed mortgage rate, 2019–2026

Source: Freddie Mac PMMS via FRED. Annual averages; latest weekly reading shown.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.