Mortgage Calculator

Calculate your complete monthly mortgage payment including principal, interest, taxes, insurance, and PMI.

Home Price ($)

Down Payment

Loan Term

Interest Rate (%)

Property Tax ($/year)

Homeowner's Insurance ($/year)

PMI Rate (% of loan, if <20% down — leave 0 if not applicable)

Year	Principal Paid	Interest Paid	Remaining Balance

For educational purposes only — not financial advice.

How to use

Enter the home price and your down payment (as dollars or a percentage).
Select your loan term (15, 20, or 30 years) and enter your interest rate.
Add annual property tax and homeowner's insurance estimates.
If your down payment is less than 20%, enter your PMI rate (typically 0.5–1.5%).
Click Calculate to see your full PITI monthly payment breakdown.
Review the year-by-year table to see how your balance decreases over time.