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Mortgage Calculator

Estimate your monthly mortgage payment, total interest, and PITI with a per-year interest chart.

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$
%
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Loan amount
$320,000.00
Monthly P&I
$1,918.56
Monthly total (PITI)
$2,118.56
Total interest
$370,682.20
Interest paid per year
Currency symbol:

Estimates for education only — not financial advice. Actual costs include closing fees, PMI, and escrow this model simplifies.

How it works

  1. 1Enter the home price, down payment, rate, and term.
  2. 2Add monthly tax, insurance, and HOA for a full PITI estimate.
  3. 3See the monthly payment and how much interest you pay each year.

Use cases

  • Estimate the monthly cost of a home you are considering.
  • See how a larger down payment lowers your payment and interest.
  • Compare 15-year vs 30-year terms.

Frequently asked questions

What is PITI?

Principal, Interest, Taxes, and Insurance — the four parts of a typical monthly mortgage payment. This tool adds your tax/insurance/HOA estimate to the principal + interest.

Does it include PMI?

Not separately. If your down payment is under 20%, add an estimate of monthly PMI to the tax/insurance/HOA field.

Is my data sent anywhere?

No. The calculation runs entirely in your browser.

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