Calculate your monthly mortgage payment including Principal, Interest, Taxes, and Insurance (PITI). Professional amortization logic.
Formula
const r = inputs.rate / 100 / 12; const n = inputs.years * 12; const p = inputs.principal; const monthlyPI = (p * r * Math.pow(1 + r, n)) / (Math.pow(1 + r, n) - 1); const tax = inputs.tax / 12; const ins = inputs.insurance / 12; const total = monthlyPI + tax + ins; return { monthly: Math.round(total), pi: Math.round(monthlyPI), _chart: { type: 'pie', data: [{name: 'Principal & Interest', value: Math.round(monthlyPI)}, {name: 'Property Tax', value: Math.round(tax)}, {name: 'Insurance', value: Math.round(ins)}] } };Loan Amount ($)
400,000
Interest Rate (%)
6.5
Loan Term (Years)
30
Annual Property Tax ($)
5,000
Annual Insurance ($)
1,200
Use the result to compare providers, request quotes, or send the scenario to a specialist when the numbers matter.
Mortgage Calculator Pro helps you estimate Total Monthly Payment (PITI), Principal & Interest Only, Chart from Loan Amount ($), Interest Rate (%), Loan Term (Years), Annual Property Tax ($). Compare monthly payments across different loan terms, see how much extra principal payments save on total interest, and determine whether refinancing makes sense for your situation. All estimates assume fixed rates; verify with a licensed mortgage professional before locking.
Use this finance calculator to compare scenarios before committing money, time, or a provider conversation.
The estimate combines Loan Amount ($), Interest Rate (%), Loan Term (Years) and returns Total Monthly Payment (PITI), Principal & Interest Only, Chart.
If the result changes your decision, verify the current quote, rate, eligibility rule, or provider term before acting.
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This calculator provides estimates based on the inputs provided. It does not constitute financial advice, investment recommendations, or tax guidance. Past performance does not guarantee future results. Consult a qualified financial advisor, accountant, or tax professional before making financial decisions.
Reviewed by the CalculateThis.ai editorial team. Updates: check back for latest parameters. Tools are for estimation only — verify with current provider terms.