Monthly Payment Breakdown

Principal & Interest $0

Property Tax $0

Home Insurance $0

PMI $0

Total Monthly Payment $0

About the Mortgage Calculator

Estimate your monthly home loan payment in seconds. This calculator breaks down principal and interest, property taxes, homeowners insurance, and PMI (PIITI), so you can see exactly where your money goes each month — not just a single bottom-line number.

What you can figure out

True monthly payment — principal + interest plus the often-overlooked taxes, insurance, and PMI.

How down payment affects PMI — Private Mortgage Insurance kicks in automatically when your down payment is under 20%.

Loan term comparisons — see how a 15-year loan compares to a 30-year on the same home.

Affordability checks — sanity-check a listing price against your budget before you tour the home.

Common ways people use it

House shopping — plug in a listing price to see what your payment would actually look like.

Refinance planning — model a lower interest rate against your current loan to see if the math works.

Down payment trade-offs — compare putting 10% down vs. 20% to weigh PMI against keeping cash on hand.

Budgeting — work backwards from a comfortable monthly payment to a target home price.

Built for privacy

Everything runs in your browser. No loan amounts, no income figures, no personal numbers ever leave your device — nothing is uploaded, logged, or stored on a server.

Related tools