Estimate your monthly mortgage payment, see the full PITI breakdown, and understand the true cost of a home loan over its lifetime.
Estimated monthly payment
$2,733.85/ mo
Tap a chip to include or exclude that line item from the total.
Enter the four core numbers below for a quick estimate. Open Refine your estimate for taxes, insurance, PMI, HOA, and extra payments.
Quick estimate
Refine your estimate
Property taxes, homeowners insurance, PMI, HOA, calendar settings, and extra payments. Open this if you want a more accurate monthly figure.
Housing costs
PMI is auto-removed when your balance reaches 80% of the original home value.
Calendar & frequency
Extra payments
Pay down principal faster. Updates the “interest saved” and “time saved” metrics in the answer band above as you type.
Loan over time
Amortization schedule & exports
Year-by-year breakdown, downloadable as CSV or PDF.
| Year | Principal | Interest | Tax + Ins | PMI | HOA | Ending balance |
|---|---|---|---|---|---|---|
| 2026 | $3,410 | $21,496 | $6,300 | $0 | $0 | $316,590 |
| 2027 | $3,648 | $21,258 | $6,300 | $0 | $0 | $312,942 |
| 2028 | $3,902 | $21,004 | $6,300 | $0 | $0 | $309,040 |
| 2029 | $4,174 | $20,733 | $6,300 | $0 | $0 | $304,866 |
| 2030 | $4,464 | $20,442 | $6,300 | $0 | $0 | $300,402 |
| 2031 | $4,775 | $20,131 | $6,300 | $0 | $0 | $295,627 |
| 2032 | $5,107 | $19,799 | $6,300 | $0 | $0 | $290,520 |
| 2033 | $5,463 | $19,443 | $6,300 | $0 | $0 | $285,057 |
| 2034 | $5,843 | $19,063 | $6,300 | $0 | $0 | $279,213 |
| 2035 | $6,250 | $18,656 | $6,300 | $0 | $0 | $272,963 |
| 2036 | $6,685 | $18,221 | $6,300 | $0 | $0 | $266,278 |
| 2037 | $7,151 | $17,755 | $6,300 | $0 | $0 | $259,127 |
| 2038 | $7,649 | $17,257 | $6,300 | $0 | $0 | $251,478 |
| 2039 | $8,181 | $16,725 | $6,300 | $0 | $0 | $243,296 |
| 2040 | $8,751 | $16,155 | $6,300 | $0 | $0 | $234,545 |
| 2041 | $9,360 | $15,546 | $6,300 | $0 | $0 | $225,185 |
| 2042 | $10,012 | $14,894 | $6,300 | $0 | $0 | $215,173 |
| 2043 | $10,709 | $14,197 | $6,300 | $0 | $0 | $204,463 |
| 2044 | $11,455 | $13,451 | $6,300 | $0 | $0 | $193,008 |
| 2045 | $12,253 | $12,654 | $6,300 | $0 | $0 | $180,756 |
| 2046 | $13,106 | $11,800 | $6,300 | $0 | $0 | $167,650 |
| 2047 | $14,018 | $10,888 | $6,300 | $0 | $0 | $153,632 |
| 2048 | $14,994 | $9,912 | $6,300 | $0 | $0 | $138,638 |
| 2049 | $16,038 | $8,868 | $6,300 | $0 | $0 | $122,600 |
| 2050 | $17,155 | $7,751 | $6,300 | $0 | $0 | $105,445 |
| 2051 | $18,349 | $6,557 | $6,300 | $0 | $0 | $87,095 |
| 2052 | $19,627 | $5,279 | $6,300 | $0 | $0 | $67,468 |
| 2053 | $20,994 | $3,912 | $6,300 | $0 | $0 | $46,474 |
| 2054 | $22,455 | $2,451 | $6,300 | $0 | $0 | $24,019 |
| 2055 | $24,019 | $887 | $6,300 | $0 | $0 | $0 |
Compare scenarios
Side-by-side comparison of two alternative loans against this one.
Scenarios
Compare up to three loan options side by side — different terms, rates, down payments, or extra payments. Toggle on to see the impact in real time.
Estimate monthly mortgage payments and total cost with a clear PITI breakdown for any home loan.
These questions cover the most common things people want to know before using a mortgage calculator.
FAQ
It estimates the monthly payment for a fixed-rate mortgage, including principal and interest, property tax, homeowners insurance, PMI, and HOA dues. It also computes total interest paid over the life of the loan and the projected payoff date.
FAQ
PITI stands for principal, interest, taxes, and insurance — the four standard parts of a typical monthly mortgage payment. This calculator also adds PMI when applicable and HOA dues if you enter them, since they affect the real total you pay each month.
FAQ
PMI is calculated as an annual percentage of the original loan amount, divided into monthly installments, and is automatically removed from the projection once your remaining balance reaches 80% of the original home value. Many conventional loans allow PMI removal at 80% LTV, with automatic termination commonly occurring at 78% LTV.
FAQ
The principal and interest portion is calculated using the standard amortization formula and is accurate to the cent for a fixed-rate loan. Property tax, insurance, PMI, and HOA are estimates based on the values you enter — your real lender quote may differ slightly because of escrow timing, lender fees, and discount points.
FAQ
A 15-year loan has a higher monthly payment but a much lower total interest cost, because the principal is paid down faster. A 30-year loan has a lower monthly payment but you pay more interest overall. Switch the loan term in the calculator to see the trade-off side by side.
FAQ
No. The calculator runs entirely in your browser. The numbers you enter aren't sent to a server, saved, or linked to you — they stay on your device.
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