Mortgage Calculator + Extra Payment Calculator

Estimate monthly payment (P&I/PITI), amortization, and the impact of extra principal payments.

Loan Inputs

Loan Amount ($) Term (years) Rate Type

Fixed Annual Rate (%)

Taxes, Insurance, HOA

Annual Property Tax ($) Annual Home Insurance ($) Monthly HOA ($)

PMI

PMI Mode Home Value ($) PMI Stop LTV (%)

Extra Payments

Monthly Extra Principal ($) One-time Extra Month One-time Extra Amount ($)

Start Date

Results

Extra Payment Impact

Estimate Disclaimer

Estimates only. Results are based on your inputs and may not reflect final loan terms, taxes, insurance, HOA dues, PMI rules, lender fees, or escrow adjustments. Confirm final numbers with your lender, servicer, and local tax/insurance sources before making financial decisions.

Amortization Table

View

Month	Rate %	Begin Bal	Interest	Principal	Extra	PMI	PITI Outflow	End Bal

Assumptions

Estimate only. Excludes escrow shortages, lender fees, and refinance costs.
For adjustable rate, future rates are user-entered assumptions.
PMI uses original home value and stops when LTV reaches chosen threshold (default 78%).

Publisher Status

We are an informational publisher, not a mortgage lender, broker, or loan servicer.

FAQ (SEO-ready placeholder)

How does extra payment reduce mortgage interest?

Extra principal lowers balance sooner, reducing future interest charged each month.

Does this calculator include property tax and insurance?

Yes. It reports both P&I and PITI including tax/insurance/HOA and optional PMI.