Mortgage PITI Calculator
Estimate your full monthly housing payment including taxes, insurance, and HOA — plus amortization, refinance break-even, and extra payment savings.
More calculators
Companion tools that run entirely in your browser.
Amortization Schedule
Month-by-month principal, interest, and balance breakdown.
Refinance Savings Calculator
Compare current vs new rate, monthly savings, and break-even.
Extra Payment Calculator
See how additional monthly principal cuts interest and term.
Principal & Interest Calculator
Estimate monthly P&I without taxes or insurance.
Beyond principal and interest
Many homebuyers focus on the loan payment alone, but property taxes, homeowners insurance, and HOA dues materially affect affordability. PITI gives a fuller monthly picture.
Pay down faster
Even modest extra principal payments can save tens of thousands in interest over a 30-year term. Model scenarios before committing extra cash each month.
Frequently asked questions
What is PITI?
PITI stands for Principal, Interest, Taxes, and Insurance — the core components of a typical monthly mortgage payment. HOA fees may also apply.
Are property taxes exact?
No. Tax and insurance inputs are estimates you provide. Actual escrow amounts vary by county and insurer.
Should I refinance?
Compare monthly savings against closing costs and how long you plan to stay. Our refinance tool estimates break-even months — confirm with a licensed mortgage professional.
Is my data shared?
No. All calculations run in your browser without sending loan details anywhere.