Money

Mortgage Calculator — Payments, Taxes, Insurance & PMI

Estimate monthly principal and interest alongside property tax, insurance, HOA and PMI.

Open full calculator ↗

Free to use. No account needed to calculate.

How to use it

  1. Use the calculator above and replace the example numbers with your own.
  2. Check the units and choices beside each input. Your result updates as you type.
  3. Review the breakdown, then share a copy or carry the answer into another calculator.

How the calculation works

Loan principal = home price − down payment. The fixed-rate loan formula calculates principal and interest; annual tax and insurance are divided by 12, then monthly HOA and PMI are added.

A worked example

These are illustrative inputs, not recommendations. The result is calculated with the same engine used by the tool.

Home price ($)
400,000
Down payment ($)
80,000
Annual interest rate (%)
6.5
Term (years)
30
Annual property tax ($)
4,800
Annual insurance ($)
1,800
Monthly HOA ($)
0
Monthly PMI ($)
0
Estimated monthly payment$2,572.62

Questions about Mortgage Calculator — Payments, Taxes, Insurance & PMI

What does this calculator do?

Estimate monthly principal and interest alongside property tax, insurance, HOA and PMI.

Can I calculate without an account?

Yes. Calculate for free without signing in. Sign in only if you want to save calculations and personal plans.

What to keep in mind

This is a planning estimate, not a lender quote. Closing costs are excluded, expenses stay constant, and PMI is not automatically removed when equity rises.

Keep exploring

Stock Investment Calculator — Hypothetical Return Scenarios Monthly Budget Calculator — Income, Expenses & Savings Compound Interest Calculator — Monthly Savings Growth Loan Payment Calculator — Monthly Payment & Total Interest Trip Budget Calculator ↗All calculator guides ↗

Guide updated November 5, 2026 · About Calcuvero & your privacy