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.
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.
Work backward from a monthly payment you can live with: enter prices into the calculator until the full payment (including PMI and taxes) lands inside your budget. The common guardrail is keeping housing near 28% of gross income, but your comfort is the real constraint.
Private mortgage insurance, typically required when your down payment is under 20%. It adds meaningfully to the monthly payment, and the calculator includes it, which is exactly the part listing-site estimates leave out.
Advertised payments are usually principal and interest only. The bank actually collects principal, interest, PMI, and escrowed property taxes. This calculator shows the full number so the budget survives contact with reality.
Compounded over 30 years, enormous: even half a percent moves the total cost by tens of thousands. Run the same house at two rates here and compare, which is the fastest way to understand rate-shopping's payoff.
No. Nothing you enter is collected or sold as a lead. Run as many scenarios as you like; nobody is going to call you.