Mortgage Calculator
Estimate monthly mortgage payments with principal and interest, property taxes, homeowners insurance, and optional PMI or HOA.
Inputs
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”).
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