Every part of the payment
Home price, down payment as a percent or an amount, rate and a 10, 15, 20 or 30-year term, plus property tax, home insurance and HOA. A colored bar shows how the payment splits.
- Free
Free · private · no sign-up
What a home really costs each month.
Not just principal and interest: property tax, home insurance, HOA and PMI are added in, so the number you see is the one you will actually pay.
- PPrincipal
- IInterest
- TTaxes
- IInsurance
- +HOA · PMI
- No account needed
- Runs in your browser
- PMI added only under 20% down
Fix the highlighted fields to see your results.
Total monthly payment
—
Principal & interest —
- Principal & interest—
- Property tax—
- Insurance—
- HOA—
- PMI—
- Loan amount
- —
- Loan-to-value
- —
- PMI ends
- —
- Total interest
- —
- Payoff date
- —
- Cash to close
- —
Your numbers stay on this device. Results are estimates, not financial advice.
App features
The whole payment, not just the loan.
The Android app runs the same PITI numbers and keeps your loans on your phone.
- Currencies
- 26
- Languages
- 12
- Accounts needed
- 0
- Free credits to try Pro
- 5
PMI that ends on its own
PMI switches on when you put down less than 20% and drops at 78% loan-to-value. You see the month it ends.
- Free
The numbers lenders ask for
Loan amount, loan-to-value, total interest, payoff date and the cash you need at closing.
- Free
Decide with Pro tools
Rent vs Buy, the 28/36 affordability check, extra payments and refinance.
- Pro
Reports and comparisons
A yearly interest report with an estimated tax deduction, 2–3 loans side by side, unlimited saved loans, and PDF without a watermark plus CSV.
- Pro
FAQ
Frequently asked questions
What does PITI mean?
Principal, interest, taxes and insurance: the four parts of a typical monthly mortgage payment. This calculator also adds HOA fees and PMI when they apply.
When is PMI added, and when does it stop?
PMI is added when your down payment is under 20% of the price and the PMI rate is above 0. It stops once the loan balance reaches 78% of the price; the results show the month.
Can I enter the down payment as an amount?
Yes. Switch between % and Amount next to the down payment; the value is converted using the home price.
Is this a loan offer?
No. It is an estimate for comparison. Your lender’s figures can differ because of fees, rounding and its own rules. FightTech is not a lender.
What does the Android app add?
Rent vs Buy, a yearly interest report with an estimated tax deduction, the 28/36 affordability check, extra payments, refinance, 2–3 loans side by side, PDF and CSV, a widget, backup and app lock. Pro is a one-time lifetime purchase or a monthly or 3-month plan; 5 free credits let you try Pro tools first.
Take the full payment with you.
Mortgage Calculator for Android: PITI, PMI, amortization and more, on your phone.
- No account
- Works without a signal
- 26 currencies, 12 languages