|Your everyday productivity workspaceCalculate PITI monthly payment, PMI, total interest, payoff date, and full amortization schedule with extra-payment simulator.
Calculations based on standard US mortgage conventions
Applied when down payment is under 20%. Removal shown when loan balance reaches 80% LTV — informational only.
Total Monthly Payment
$3,178.27
Principal & Interest
$2,528.27
Monthly Payment Breakdown (PITI + PMI + HOA)
Loan amount: $400,000 · Down payment: $100,000 · Payoff: June 2056 · Total interest: $510,178
| Month | Payment | Principal | Interest | Extra | Balance |
|---|---|---|---|---|---|
| 1 | $2,528.27 | $361.61 | $2,166.67 | — | $399,638.39 |
| 2 | $2,528.27 | $363.56 | $2,164.71 | — | $399,274.83 |
| 3 | $2,528.27 | $365.53 | $2,162.74 | — | $398,909.30 |
| 4 | $2,528.27 | $367.51 | $2,160.76 | — | $398,541.78 |
| 5 | $2,528.27 | $369.50 | $2,158.77 | — | $398,172.28 |
| 6 | $2,528.27 | $371.51 | $2,156.77 | — | $397,800.77 |
| 7 | $2,528.27 | $373.52 | $2,154.75 | — | $397,427.26 |
| 8 | $2,528.27 | $375.54 | $2,152.73 | — | $397,051.71 |
| 9 | $2,528.27 | $377.58 | $2,150.70 | — | $396,674.14 |
| 10 | $2,528.27 | $379.62 | $2,148.65 | — | $396,294.52 |
| 11 | $2,528.27 | $381.68 | $2,146.60 | — | $395,912.84 |
| 12 | $2,528.27 | $383.74 | $2,144.53 | — | $395,529.10 |
Our free Mortgage Calculator shows your full monthly payment — principal, interest, property taxes, insurance, PMI, and HOA — not just P&I.
Includes a complete amortization schedule with CSV download and an extra-payment simulator showing interest saved and months shaved off.
PMI is auto-estimated when down payment is under 20%, with informational guidance on when equity may reach the 80% LTV threshold.
Read the full guide: Mortgage calculator guide — PITI, PMI, and amortization explained
See true monthly cost including taxes, insurance, and PMI.
Compare 10% vs 20% down and PMI impact.
Model how interest rate changes affect payment and total interest.
See how additional monthly payments shorten the loan.
Understand how principal vs interest shifts over 15–30 years.
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