Loan payment with taxes, insurance, and taxes
For borrowers calculating the full mortgage payment: breaks down principal, interest, taxes, insurance, and full amortization schedule.
Mortgage Payment Calculator
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Create Free AccountWhat it does
The Mortgage Payment Calculator breaks down your complete monthly payment into Principal & Interest (P&I) from the lender, plus estimated property taxes, homeowners insurance, and HOA fees. Input loan amount, interest rate, loan term, and property details to see the full amortization schedule showing principal vs. interest split on every payment.
Your P&I is just part of PITI — total housing payment includes taxes and insurance that significantly impact affordability. By modeling how property taxes and insurance rates vary by location, you understand total occupancy costs and see how late-term payment composition shifts heavily toward principal as interest paydown accelerates.
Who it's for
- Homebuyers understanding total monthly housing costs before qualifying for a mortgage
- Borrowers comparing loan terms and seeing how rate changes affect 30-year payment totals
- Loan officers communicating payments clearly to borrowers and validating debt-to-income ratios
- Real estate agents helping buyers afford appropriate price points based on all-in monthly costs
How it works
Input loan terms
Amount, interest rate, amortization period (15, 20, 30 years).
Add taxes, insurance, PMI
Estimate annual property tax, homeowners/landlord insurance, and PMI if < 20% down.
Calculate full payment
P&I + (taxes ÷ 12) + (insurance ÷ 12) + PMI.
Why it matters
Know your true monthly obligation upfront
Understand how much equity you're building
Track principal paydown over loan life
Model payment changes at rate-reset dates
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Full access to Mortgage Payment Calculator, 66 other calculators, live FRED rates, AI deal verdicts, conservative/base/optimistic scenario projections, printable reports, and vault storage.
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What every calculator includes
67 Calculators
Every investment strategy — rental, flip, BRRRR, mortgage, commercial, wealth building.
Scenario Projections
Conservative, base, and optimistic 1/2/5/10-year return modeling.
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Claude-powered analysis — strengths, risks, and actionable recommendations.
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Save unlimited reports. Revisit, compare, and track every deal you've analyzed.
Print-Ready Reports
Professional PDF reports to share with agents, lenders, and partners.
Address Auto-Fill
Enter a property address to pre-fill value, rent, and tax data automatically.
Live FRED Rates
Mortgage rate fields pre-populate with Federal Reserve interest rate data.
Investment-Grade Math
Every formula audited against professional underwriting standards.
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Frequently asked questions
How is principal vs. interest split?
Early years: mostly interest. Late years: mostly principal. The amortization schedule shows breakdown by payment.
When does PMI drop off?
At 20% equity (LTV = 80%), PMI is removed. Accelerate principal payments to hit 20% faster.
How do I estimate property taxes?
Tax rate × property value. Varies wildly by jurisdiction: 0.4% (Hawaii) to 2.5% (New Jersey).
What if the rate is adjustable?
ARM payments increase at reset dates (typically every 5–10 years). Model the higher payment upfront.
Is this calculator free to use?
Yes — create a free Investor Starter account to run 1 calculator per day. No credit card required. Upgrade to Core ($49/mo) for unlimited access to all 67 calculators.
How accurate are the results?
Results are only as accurate as your inputs. The formulas use industry-standard real estate investment math. Always verify with a licensed professional before committing capital.
Related calculators
PITI Calculator
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Open calculatorHome Affordability Calculator
Find the maximum purchase price you can qualify for based on income, debts, and down payment.
Open calculatorDebt-to-Income (DTI) Calculator
Check whether your gross income-to-debt ratio meets conventional, FHA, and VA lender guidelines.
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