The mortgage calculator that shows you the whole picture.
Principal, interest, PMI, taxes, insurance, HOA — plus the numbers most calculators skip: future value, net present value, internal rate of return, and exactly what happens when you overpay.
Monthly payment
$4,257
Loan $495,000 · P&I $3,211
Principal & Interest
$3,211
Property Tax
$550
Home Insurance
$150
PMI
$227
HOA
$120
Download analysis:
Loan balance over time
Extra payments accelerate payoff and reduce interest.
Payoff facts
Total interest
$535,596
Total paid
$1,352,768
Payoff
25y 3m
PMI ends
Month 72
Loan-to-value
90.0%
Home value at payoff
$1,311,012
Equity growth
Home value appreciates while the loan balance amortizes — the gap is your equity.