Estimate your full monthly mortgage payment — principal, interest, taxes, insurance and PMI — with a live breakdown, amortization chart, and payoff schedule. Add extra payments to see the interest you save. Everything runs in your browser; nothing is uploaded.
Enter your home price, down payment, rate and term. mortgagelens shows your PITI — principal, interest, property tax, homeowners insurance, plus PMI and HOA — as a single monthly number with a color breakdown, then charts how your balance falls over the life of the loan. Turn on extra or biweekly payments to watch the payoff date and total interest drop in real time.
Most payments are "PITI": principal and interest on the loan, property taxes, and homeowners insurance. If your down payment is under 20% you also pay PMI, and some homes add HOA dues.
A common guideline is the 28/36 rule — housing under 28% of gross income and total debt under 36%. Use the affordability calculator to see your maximum price.
Yes. Every calculation runs locally in your browser with JavaScript. Nothing you type is uploaded or stored.