Mortgage Loan Calculator: PITI

The only mortgage calculator that shows what you'll ACTUALLY pay — not just principal and interest, but property taxes for your state, insurance, PMI and HOA, all in one honest monthly number. PASTE A LISTING, GET THE TRUTH Found a home on Zillow, Redfin or Realtor? Paste the link — the price, state taxes and insurance load automatically. One tap shows the real monthly cost of that exact house. TRUE PITI, NOT MARKETING MATH • Property tax rates for all 50 states, applied automatically • Insurance estimates that match your state, not a national average • PMI appears when your down payment is under 20% — and the app shows exactly how much more down removes it • FHA and VA loans with real MIP and funding fees SEE THE FINISH LINE • Payoff chart shows the year you'll be mortgage-free • Add an extra payment and watch years and interest disappear • Full amortization table, year by year • Share a clean PDF with your agent or partner LIVE RATES, NOT GUESSES • Weekly average rates from Freddie Mac, updated automatically • 52-week trend chart • Rate alerts — get notified when rates drop below your target • Optional weekly rate digest EVERY QUESTION, ONE APP • How much house can I afford? Real DTI math lenders use • Should I refinance? Honest break-even and lifetime cost • How much equity can I use? LTV and usable equity at 80% • Track your payoff progress year by year SAVE AND COMPARE • Save every home you're considering • Compare two scenarios side by side • Home Screen widgets: your saved payment and this week's rate • Everything stays on your device — no accounts, no data collection Free. No ads on your calculations. No sign-up.