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Mortgage Calculator

Estimate your full monthly mortgage payment — principal, interest, property tax, home insurance, PMI, and HOA (PITI) — plus total interest and a complete amortization schedule.

Your details

Total monthly payment
$2,672.62
Principal & interest
$2,022.62
Property tax / mo
$500.00
Insurance / mo
$150.00
Total interest paid
$408,142.36
Total of P&I payments
$728,142.36

Monthly payment breakdown

$2.7KTotal
Principal & interest
$2,022.6276%
Property tax
$500.0019%
Home insurance
$150.006%

Amortization schedule

YearPrincipalInterestBalance
1$307.00$1,715.62$316,423.28
2$327.56$1,695.06$312,607.02
3$349.49$1,673.13$308,535.17
4$372.90$1,649.72$304,190.63
5$397.87$1,624.75$299,555.13
6$424.52$1,598.10$294,609.18
7$452.95$1,569.67$289,331.98
8$483.28$1,539.33$283,701.37
9$515.65$1,506.97$277,693.66
10$550.18$1,472.43$271,283.60
11$587.03$1,435.59$264,444.26
12$626.35$1,396.27$257,146.86
13$668.29$1,354.32$249,360.75
14$713.05$1,309.57$241,053.19
15$760.80$1,261.81$232,189.25
16$811.76$1,210.86$222,731.68
17$866.12$1,156.50$212,640.72
18$924.13$1,098.49$201,873.95
19$986.02$1,036.60$190,386.11
20$1,052.05$970.56$178,128.90
21$1,122.51$900.11$165,050.81
22$1,197.69$824.93$151,096.86
23$1,277.90$744.72$136,208.38
24$1,363.48$659.13$120,322.79
25$1,454.80$567.82$103,373.32
26$1,552.23$470.39$85,288.71
27$1,656.18$366.43$65,992.94
28$1,767.10$255.51$45,404.89
29$1,885.45$137.17$23,438.03
30$2,011.72$10.90$0.00
Total monthly payment$2,672.62

Formula

Principal & interest M = P·r(1+r)^n / ((1+r)^n − 1), where P is the loan amount, r the monthly interest rate, and n the number of monthly payments. Monthly tax and insurance are the annual amounts divided by 12; PMI and HOA are added directly.

Frequently asked questions

Does this include taxes and insurance?⌄

Yes. The total monthly payment adds property tax, home insurance, PMI, and HOA dues to principal and interest. Leave a field at 0 to exclude it.

How is total interest calculated?⌄

By summing the interest portion of every scheduled monthly payment across the full amortization of principal and interest.

When do I need PMI?⌄

Lenders typically require private mortgage insurance when your down payment is under 20% of the home price. It usually drops off once you reach 20% equity.

Sources & methodology

Standard fixed-rate amortization plus PITI: property tax, home insurance, PMI, and HOA. Estimates only — actual escrow amounts vary by lender and location.

Last updated: 2026-07-20

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Learn more

Understanding Your Mortgage Payment (PITI)What actually makes up a monthly mortgage payment — principal, interest, taxes, and insurance — and why the sticker rate is only part of the story.How Much House Can You Afford?Income, debts, down payment, and the full PITI payment all decide your real budget. Here's how lenders — and you — should do the math.Should You Pay Off Your Mortgage Early?Extra payments can save tens of thousands in interest — but they aren't always the best use of your money. The trade-offs, laid out.When Does Refinancing Your Mortgage Make Sense?Refinancing can lower your rate or payment — but closing costs mean it only pays off if you stay long enough. Find your break-even.APR vs Interest Rate: What's the Difference?They sound the same but they aren't. Knowing the difference is how you actually compare loan offers apples-to-apples.
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