Mortgage Calculator

Estimate your true monthly housing cost — principal, interest, property tax and insurance (PITI) — plus the home price you can realistically afford.

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🔒 Private by design

All calculations run locally in your browser. Nothing is uploaded to any server.

🏠 True PITI estimate

Includes property tax and insurance so your estimate matches reality.

📈 Visual breakdown

A clear chart splits your monthly payment into principal, interest, tax and insurance.

💰 Affordability guide

Instantly compare your payment against the common 28% income guideline.

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