Free tool
Estimate the monthly payment — principal, interest, taxes, insurance, HOA, and PMI. No account.
Starting numbers are an example: $400,000 price, 20% down, 6.5% for 30 years. Tax and insurance are national-average placeholders you can edit.
Estimated monthly payment $2,505.96
Add the address you walked through last night. Save this payment on the homes you are actually touring.
We’ll save the address, then you create your household.
Start free — no card. Household compares payments across homes with your people.
Save this payment on the homes you are actually touring.
Lenders look at principal, interest, taxes, and insurance together — PITI. HOA dues and PMI, when they apply, sit on top of that. A payment that shows only principal and interest is not what hits the account each month.
The loan amount is price minus down payment. A fixed rate spreads that balance across the term so early payments are mostly interest and later payments are mostly principal. Change the rate, term, or down payment and the monthly figure updates immediately.
Conventional loans usually require private mortgage insurance when you put down less than 20%. This calculator estimates PMI at a typical annual rate and lets you edit or zero it. Your lender’s PMI will differ.
A 30-year term keeps the monthly payment lower and costs more interest over the life of the loan. A 15-year term costs more each month and less overall. Use the table to see how much of each year goes to interest.
Principal and interest use a standard fixed-rate amortization formula. Property tax and homeowners insurance are divided by 12. HOA is monthly. PMI is estimated when the down payment is under 20%, and you can edit it.
PITI is principal, interest, taxes, and insurance — the housing payment most lenders use. This calculator also adds HOA and PMI when you enter them.
No. The numbers are an estimate for planning. Kinwyn is not a lender, mortgage broker, or insurance agent. Confirm figures with a licensed professional before you act.
Yes. Start free and add the homes you are touring. Household unlocks invites so the family sees the same shortlist, must-haves, and costs — not five group texts.
This calculator is an estimate for planning only. It is not a loan offer, pre-approval, or advice. Kinwyn is not a lender, mortgage broker, or insurance agent. Tax, insurance, HOA, and PMI vary by location and loan. Confirm numbers with a licensed professional before you act.