Mortgage Calculator

Estimate monthly mortgage payments with principal and interest, property taxes, homeowners insurance, and optional PMI or HOA.

P&ITaxesInsurancePMI / HOA

Inputs

Loan Amount ($)

Annual Interest Rate (%)

Loan Term (Years)

Annual Property Taxes ($)

Annual Homeowners Insurance ($)

PMI (% of loan per year, optional)

HOA (monthly, optional)

Results

Enter your details and click Calculate to see the breakdown.

How this calculator works

We compute Principal & Interest (PI) for a fixed-rate, fully amortizing mortgage with the standard formula c = r · P / (1 − (1 + r)⁻ⁿ). At zero rate, we fall back to P / n.

The breakdown adds property taxes, homeowners insurance, optional PMI, and HOA to PI to show a more complete monthly estimate (“PITIA”).

This is an educational tool; for exact terms, consult your lender.