Full monthly payment — principal, interest, taxes, insurance, PMI, HOA. Nothing leaves your browser.
100% in your browser. Nothing uploaded.
| # | Date | Payment | Principal | Interest | Extra | Balance |
|---|---|---|---|---|---|---|
| Enter your loan details and press Calculate. | ||||||
Most "mortgage calculators" only show principal and interest — the number your lender advertises, not the number that actually leaves your bank account. This one estimates the full monthly housing payment: principal, interest, property tax, homeowners insurance, PMI (if your down payment is under 20%), and HOA dues, plus the complete amortization schedule for the loan itself. Compare a 30-year against a 15-year, see how a bigger down payment removes PMI, and model extra principal payments to see how much sooner you'd be mortgage-free.
It includes all of them. Enter your home price, down payment, rate, and term for the principal-and-interest piece, then add your annual property tax rate, annual homeowners insurance, monthly HOA dues, and PMI rate if your down payment is under 20%. The summary shows the full estimated monthly payment (PITI) as well as each piece broken out, not just the loan payment banks quote in isolation.
Private mortgage insurance applies only when your down payment is below 20% of the home price. We estimate it as an annual percentage of the loan amount (you can adjust the rate — 0.5–1.5% is typical), divided into a monthly figure. In practice PMI is usually cancellable once your loan balance drops to 78–80% of the original home value; this calculator does not auto-remove it from the schedule since that depends on your servicer and updated appraisals, but you can rerun the numbers with PMI set to 0 to see the payment after it drops off.
Property tax is entered as an annual percentage of home price (your county assessor or last year's tax bill will give you the real figure — US averages run roughly 0.5–2.5% depending on state). Homeowners insurance is entered as a flat annual dollar amount from a quote or your current policy. Both are estimates you control; the calculator does not look up local rates automatically, so accuracy depends on what you enter.
Lenders factor in things this calculator does not attempt: your exact credit tier and its effect on rate, lender fees rolled into the APR, discount points, flood or earthquake insurance riders, and escrow cushion requirements. Treat this as a same-ballpark planning estimate for comparing scenarios (different down payments, rates, or terms), not a Loan Estimate or Closing Disclosure.
Yes. The overpayments section supports a recurring extra amount each month and a one-time lump sum applied at a period you choose. The summary shows the resulting interest saved and how much sooner the loan is paid off compared to the standard schedule.
No. Home price, down payment, rate, taxes, insurance, and every other field stay in your browser — the math runs locally in JavaScript. Only anonymous page-view analytics fire on the page (Cloudflare Web Analytics, plus Google Analytics if configured); no input field is ever included in any analytics beacon.
The amortization calculator models any loan's principal-and-interest schedule in detail (including fortnightly/weekly frequencies and multiple currencies). This mortgage calculator is purpose-built for home purchases: it starts from home price and down payment, adds property tax, homeowners insurance, PMI, and HOA on top of principal and interest, and reports the full monthly housing payment lenders actually care about.
Yes. Use Copy CSV to put the principal-and-interest schedule on your clipboard, or Download CSV to save a file with one row per month — date, payment, principal, interest, and remaining balance — ready to open in Excel, Numbers, or Google Sheets.