Loan Strategist
Plan your home journey with precision. Calculate your complete monthly payment including taxes and insurance, and visualize your path to full ownership.
Estimated PITI payment
P & I
$2,023
Tax
$400
Insurance
$100
Total Loan
$320,000
Total Interest
$408,142
Total Payoff
$908,142
Payment Breakdown
Payment Logic
Most homeowners don't just pay back their loan. A standard mortgage payment consists of four main components: Principal, Interest, Taxes, and Insurance (PITI).
Amortization
In the early years, most of your payment goes to interest. As the balance drops, more goes to principal, accelerating your equity growth.
Escrow Buffer
Taxes and insurance are often held in escrow. Lenders may require a cushion, which can slightly increase your actual out-of-pocket monthly cost.
Equity Blueprint
Accelerate your mortgage payoffs by making extra principal payments. Even one extra payment per year can shave years off a 30-year term.
The Blueprint
PITI + Extra Principal
Output
Total Savings
Press ⌘K