Calculate mortgage payments with taxes, insurance, PMI, HOA, extra payments, amortization schedule, and refinance break-even.
Run the calculator to generate mortgage projections.
This calculator computes principal and interest using the standard mortgage formula, then layers in property tax, homeowners insurance, HOA, and PMI to estimate full monthly housing cost. It also models extra principal payments and refinance break-even so you can compare strategy options.
Core Payment
Calculates monthly principal and interest based on loan amount, rate, and term.
Real Monthly Cost
Adds taxes, insurance, HOA, and PMI for a practical all-in housing estimate.
Amortization
Shows month-by-month principal reduction, interest paid, and remaining balance.
Refinance Check
Estimates monthly savings and break-even months after refinance closing costs.