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Mortgage Calculator

Estimate your monthly PITI payment instantly. No sign-up, no upload, works offline.

How Mortgage Calculator works

Use this mortgage calculator to estimate your monthly payment broken into four parts: principal and interest (via the standard annuity formula), property tax, homeowner insurance and PMI. Enter home price, down payment, rate and term to see your full cost picture.

Whether comparing 15- vs 30-year terms or stress-testing rates, the optional costs section lets you reflect the true monthly obligation, not just the loan payment. PMI is typically required when the down payment is under 20 percent, so leave it blank above that threshold.

Frequently asked questions

Does this calculator upload my data anywhere?

No. Every calculation runs in your browser. The figures you enter are never sent to a server, and the tool works offline once loaded.

Is it accurate enough for a real decision?

The principal-and-interest figure is exact for a fixed-rate amortizing loan; tax/insurance depend on your inputs. Treat it as a starting point and confirm with a licensed lender.

What is PMI and when do I include it?

Private Mortgage Insurance is usually required when the down payment is under 20%, typically 0.2-1.5% of the loan per year. Leave it blank if you put 20% or more down.

How is the monthly payment calculated?

M = L * r / (1 - (1 + r)^-n), with L the loan amount, r the monthly rate and n the number of payments (r=0 -> L/n). Tax, insurance and PMI are divided by 12 and added.

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