Estimate full monthly mortgage payment with PITI, PMI, HOA, and extra principal — see total interest and payoff time.
QuickToolz Mortgage Calculator goes beyond a simple PMT formula. Enter home price, down payment, interest rate, term, property tax, insurance, PMI rate, HOA fees, and an optional extra monthly principal payment. The calculator shows your full monthly outlay (PITI + PMI + HOA), total interest over the life of the loan, and a re-derived payoff date if you make extra payments. All computation is local to your browser.
Got questions? We’ve got answers. Here are some of the most common inquiries about Mortgage Calculator.
Mortgage
Full monthly payment incl. taxes, insurance, PMI, HOA.
Monthly payment
Loan: $320,000.00 · Payoff in 30y 0m
Total / month
$2,612.30
$2,128.97
$350.00
$133.33
$446,428.47