About Mortgage Calculator & Amortization Schedule
Comprehensive home mortgage loan calculator with complete Principal, Interest, Taxes, Insurance (PITI), and HOA dues breakdown. Generates full 30-year month-by-month and annual amortization schedules with extra payment payoff acceleration and 1-click CSV export.
Key Capabilities & Features
- Accurate monthly PITI computation: Principal, Interest, Property Taxes, Home Insurance, PMI, and HOA
- Full month-by-month and annual amortization schedule with remaining balance tracking
- Payoff accelerator: calculate exact years shaved off and interest saved with extra monthly principal payments
- Dynamic Loan-to-Value (LTV) evaluation with automated Private Mortgage Insurance (PMI) estimation
- One-click amortization schedule CSV export for Excel, Google Sheets, or personal records
How to Use Mortgage Calculator & Amortization Schedule
Enter Home Price & Down Payment
Input the property purchase price and your planned down payment percentage or dollar amount.
Set Interest Rate & Term
Choose your mortgage term (15, 20, or 30 years) and current annual interest rate.
Customize Taxes & Escrow
Adjust annual property tax rate, homeowners insurance, and monthly HOA fees.
Inspect Payment & Amortization
View total monthly PITI, test extra principal payments, and download the amortization table.
Privacy & In-Browser Execution Guarantee
100% Client-Side. Your financial data and loan details never leave your browser.
Frequently Asked Questions
What components make up a PITI mortgage payment?
PITI stands for Principal (loan repayment), Interest (lender charge), Taxes (county property taxes), and Insurance (homeowners hazard insurance plus PMI if down payment is under 20%).
How do extra principal payments shorten a mortgage?
Every dollar paid directly toward loan principal reduces the remaining balance, thereby decreasing future compounded monthly interest and accelerating total payoff date.